SIP Calculation: Rs 20,000/month investment, how quickly can you generate Rs 12 crore corpus? See calculations
Published on 18/07/2025 02:17 PM
A systematic investment plan (SIP) is a vehicle that allows you to invest a fixed amount in mutual funds of your choice on a regular basis. You can set up a SIP with a mutual fund company simply by instructing them to deduct a specified amount from your bank account at regular intervals, such as monthly, and invest it in your chosen mutual fund scheme.
On that note, explore the article to find out if you invest Rs 20,000 monthly via a systematic investment plan in a mutual fund of your choice, how many years it can take for you to generate a sizeable corpus of Rs 12 crore. Let’s find out with the help of simple calculations.
SIP is a way to invest in mutual funds, as it allows investors to channel their funds steadily into their mutual fund scheme of choice. It allows investors to invest a fixed amount in mutual funds. You can invest daily, weekly, monthly, quarterly, or yearly, depending on your choice.
Target corpus: Rs 12 crore corpus
Monthly investment: Rs 20,000
Annualised return: 12 per cent
The investment amount will be Rs 24,00,000, the capital gains will be Rs 20,80,718, and the estimated retirement corpus will be Rs 44,80,718.
The investment amount will be Rs 48,00,000, the capital gains will be Rs 1,35,97,147, and the estimated retirement corpus will be Rs 1,83,97,147.
The investment amount will be Rs 72,00,000, the capital gains will be Rs 5,44,19,464, and the estimated retirement corpus will be Rs 6,16,19,464.
The investment amount will be Rs 86,40,000, the capital gains will be Rs 11,50,57,947, and the estimated retirement corpus will be Rs 12,36,97,947.
It will take approximately 36 years to build over Rs 7 crore with Rs 20,000 monthly investment.
Also Read: PPF vs SIP: Rs 11,000/month investment for 30 years; see which can create a higher retirement corpus
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