# Rs 25,000 step-up SIP can build Rs 10 crore corpus in 25 years

2026-08-06T18:20:49+00:00 | Business & Economy | Indian Opinion Desk

Corroboration: 1 independent outlet

A monthly SIP of Rs 25,000, increased by 10% each year, can build a corpus of over Rs 10 crore in 25 years, assuming a 12% annual return, Livemint reports. Total investment would be about Rs 2.95 crore, with wealth gains of Rs 7.73 crore, making the final corpus roughly Rs 10.68 crore. If the annual step-up is reduced to 5%, reaching a similar corpus takes about 28 years, with a lower total investment of Rs 1.75 crore. In a separate illustration, a flat Rs 15,000 monthly SIP for 30 years at 12% returns can yield around Rs 5.29 crore, with Rs 54 lakh invested and Rs 4.75 crore from compounding. Actual returns are market-linked and not guaranteed.

## Coverage

- livemint.com <https://www.livemint.com/money/personal-finance/how-a-25-000-step-up-sip-can-build-a-10-crore-retirement-corpus-in-25-years-11786020122328.html>
- livemint.com <https://www.livemint.com/money/personal-finance/can-a-rs-15-000-monthly-sip-build-a-rs-5-crore-corpus-in-30-years-here-s-the-maths-11786121998063.html>

Tags: mutual funds, personal finance, retirement planning, SIP
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