How to Turn ₹30,000 Monthly SIP into ₹3 Crore in 15 Years - Expert Strategy

For many investors, a long-term financial milestone like ₹3 crore often raises a simple but crucial question—how much needs to be invested every month? One common scenario is whether a monthly SIP of ₹30 ,000 can realistically reach that target in 15 years.

Investor Profile

Ajay Kumar Singh, a 42-year-old viewer of The Money Show on ET Now, aims to build a ₹3 crore corpus in the next 15 years. He started his investment journey in August and currently invests ₹5,000 each in six mutual funds—Bandhan Small Cap, Nippon India Small Cap, HDFC Midcap, Edelweiss Midcap, HDFC Flexicap, and Parag Parikh Flexicap—adding up to a monthly SIP of ₹30,000.

Portfolio Review by Expert

Financial expert Pankaj Mathpal, MD of Optima Money Managers, believes Ajay’s portfolio is well-structured but tilted towards aggressive categories. With two schemes each in small-cap, mid-cap, and flexi-cap funds, Ajay can continue with this allocation due to his long investment horizon of 15 years. However, the expert also warns of short-term market turbulence.

“But as his target is 3 crore and horizon is 15 years, he can continue with these schemes. But yes, because the portfolio is aggressive, he should expect volatility in the portfolio,” said Mathpal.

How Aggressive Should the Portfolio Be?

If Ajay wants to experience fewer short-term fluctuations, he can gradually reduce his exposure to small-cap funds and increase allocation towards flexi-cap schemes. Flexi-cap funds offer broader diversification and comparatively smoother market movement. If he is comfortable handling volatility, he may stick with the current mix.

Will ₹30,000 SIP Be Enough?

Not quite. Assuming a 12% annual return, a monthly SIP of ₹30,000 would generate around ₹1.43 crore in 15 years—well short of the ₹3 crore target.

How to Bridge the Gap

To reach the goal, Mathpal recommends increasing the SIP amount immediately by ₹6,000, taking the total monthly investment to ₹36,000. Additionally, adopting a 10% annual step-up can significantly boost compounding and help Ajay comfortably reach the ₹3 crore mark within the chosen timeframe.

What Is a Step-Up SIP ?

A Step-Up SIP, also known as a Top-Up SIP, allows investors to automatically increase their monthly SIP amount at defined intervals usually once a year. This approach aligns investments with rising income while accelerating wealth growth over the long term.

By combining disciplined investing, strategic fund selection, annual step-ups, and a realistic SIP amount, investors like Ajay can move confidently toward ambitious financial goals such as a ₹3 crore wealth corpus.