How Long to 1 Crore? Here’s What Happens When You SIP just 100 a Day at 15% and 20% Returns

Most people believe becoming a crorepati takes a huge salary or a lottery ticket. But in reality, all you need is Rs 100 a day, a disciplined approach, and a smart investment strategy like Step-Up SIP.

Earlier, we explored how Rs 100/day could get you to Rs 1 crore in 30 years at 12% annual returns – or in just 18 years if you increase your SIP by 10% yearly. Now, let’s go a step further:

What if your mutual fund delivers 15% or 20% annual returns? How fast can you reach Rs 1 crore?

Let’s crunch the numbers and explore this exciting path to wealth!

📘 Recap: What is SIP and Step-Up SIP?

✅ SIP (Systematic Investment Plan)

SIP allows you to invest a fixed amount in mutual funds regularly, often monthly. It’s designed to build wealth steadily without worrying about timing the market.

✅ Step-Up SIP

With Step-Up SIP, you increase your monthly SIP amount by a fixed percentage every year (say 10%) to align with your growing income and accelerate compounding.

📈 Assumptions for This Analysis

We’ll compare two cases – assuming annual returns of 15% and 20%.

• Daily SIP Amount: Rs 100 (i.e., Rs 3,000/month)

• Step-Up Rate: 10% increase every year

• Compounding Frequency: Monthly

• Target Amount: Rs 1 crore

• Returns Considered: 15% and 20% annually

• Taxes and Inflation: Ignored for simplicity

💹 Case 1: Rs 100/Day SIP with 15% Annual Return (10% Step-Up)

At a 15% annual return, increasing SIPs by 10% per year, here’s how your investment grows.

🧮 How Long to Rs 1 Crore?

✅ You reach Rs 1 crore in ~18.3 years (vs. 30 years without step-up SIP at 12%).

🚀 Case 2: Rs 100/Day SIP with 20% Annual Return (10% Step-Up)

Let’s push the boundaries a bit. At 20% annual return –  a figure seen in some aggressive mutual funds – your money grows much faster.

🧮 How Long to Rs 1 Crore?

✅ You reach Rs 1 crore in just 16.1 years – that’s 14 years faster than a flat SIP at 12%.

🔢 Total Investment vs. Wealth Created

🟢 Bottom Line: As the return increases, your required investment and time go down – but so does the margin for error.

🧠 What You Should Learn from This

🔹 Start Small, Grow Big

Rs 100/day seems small, but over time especially with step-up SIP it can transform into wealth.

🔹 Step-Up is Powerful

Most people get annual raises. Matching your SIP to your salary growth allows you to invest more without stress.

🔹 Risk-Return Balance

Higher returns (like 15%-20%) are achievable, but only with high-risk equity funds. Choose funds wisely and invest with a long-term mindset.

🔹 Compounding is Slow, Then Sudden

The early years feel slow. But stay disciplined – the last few years multiply wealth rapidly.

💬 Final Thoughts: Time or Return – You Choose!

If you’re aiming for Rs 1 crore, there are two main levers:

1. Time invested

2. Returns earned

You can’t always control market returns, but you can:

• Start early

• Stay consistent

• Increase SIP annually

If you’re ready to start your Rs 1 crore journey, begin with Rs 100/day and step it up every year. Even modest returns can create massive wealth and higher returns? Well, that just gets you there faster.

✅ Summary Table