# Monthly SIP of ₹2 lakh needed for ₹10 crore in 15 years 2026-08-25T02:54:08+00:00 | Business & Economy | Indian Opinion Desk Corroboration: 1 independent outlet A 30-year-old salaried professional aiming for a ₹10 crore corpus in 15 years through Systematic Investment Plans would need to invest roughly ₹2 lakh per month, assuming 12% annual returns from mutual funds. Under a flat SIP, total invested capital would be about ₹3.6 crore, with market gains contributing the remaining ₹6.4 crore. A step-up SIP, where the monthly contribution rises 10% annually, would start at ₹1.15 lakh per month and reach ₹4.37 lakh by the 15th year. Total investment under this model would be around ₹4.39 crore, with gains adding ₹5.61 crore. Financial planners typically advise using conservative return assumptions of 10, 12%, not 14, 15%. The projections are pre-tax and exclude fund expenses, capital gains tax, or any pauses in contributions. ## Indian Opinion Analysis Systematic Investment Plans assume steady 12% annual returns, an aggressive assumption given that the equity market's long-term average is closer to 10, 11% before costs. The Securities and Exchange Board of India requires fund houses to publish standardised past-return disclosures precisely because forward returns are uncertain. For a 30-year-old salaried investor, a ₹10-crore goal in 15 years also implies saving roughly 40% of a high corporate salary every month. The real risk is not the maths but the sequence: a market downturn in early years can permanently reduce the final corpus unless the investor holds through the cycle. The next checkpoint for readers is their own fund's rolling-return chart over 10- and 15-year periods. ## Coverage - livemint.com Lead calculations presented neutrally, no government or political angle This story was synthesised by AI from the source linked above. Tags: mutual funds, SEBI, Systematic Investment Plan Canonical: https://indianopinion.org/monthly-sip-of-rs2-lakh-needed-for-rs10-crore-in-15-years/ License: Summary and commentary (c) Indian Opinion, reusable with attribution. Facts belong to the linked sources. Cite: https://indianopinion.org/monthly-sip-of-rs2-lakh-needed-for-rs10-crore-in-15-years/#story-in-brief Review state: restored archive article, accurate at time of publication, not offered to search indexes. How this brief was made: an AI model read the report linked above and wrote this summary and analysis, which were published automatically. Published briefs are sampled every hour by an automated quality check; the editor verifies its findings and approves corrections, and corrected briefs carry a dated correction line. We do no original reporting. Methodology: https://indianopinion.org/ai-use-policy/