20X12X21 SIP Formula: How ₹20,000 Monthly Investment Could Grow Beyond ₹2 Crore

A ₹20 ,000 monthly SIP may appear modest when viewed as a single monthly commitment, but the picture changes when the investment is continued for more than two decades. The 20X12X21 formula illustrates this long-term approach by combining a ₹20,000 monthly contribution with an assumed annualised return of 12% over 21 years. On these assumptions, the investment could potentially cross the ₹2 crore mark.