Can Rs 200 A Day Really Help You Build A Rs 25 Lakh Corpus

Jan 15, 2026 Abhijit Basak

How Daily SIPs Make Small Investing Possible

Daily SIPs allow investors to start with very small amounts, sometimes as low as Rs 100. This flexibility helps salaried and self-employed individuals invest consistently without waiting to accumulate a lump sum. Image Source: Meta-AI

Rs 200 A Day And Monthly Investment Impact

A daily investment of Rs 200 equals roughly Rs 6,000 per month. For many households, this amount fits comfortably within regular budgets, making long-term investing more practical and sustainable. Image Source: Meta-AI

Power Of Rupee Cost Averaging

Daily SIPs spread investments across market highs and lows. This reduces the risk of poor market timing and helps average out purchase costs over time, which can stabilise returns in volatile markets. Image Source: Meta-AI

Role Of Compounding Over Long Periods

Compounding works best when investments stay untouched for many years. Daily SIPs benefit from this effect by reinvesting gains, allowing wealth to grow steadily as the investment tenure increases. Image Source: Meta-AI

Time Needed To Reach Rs 25 Lakh

At an assumed annual return of 12 percent, investing Rs 200 daily may take around 14 years to cross the Rs 25 lakh mark. This requires uninterrupted investing and patience through market cycles. Image Source: Meta-AI

Total Investment Versus Final Corpus

Over 14 years, the total amount invested comes to about Rs 10.08 lakh. The remaining value in the final corpus is generated through market-linked returns, not additional contributions. Image Source: Meta-AI

Returns Depend On Market Performance

The projected corpus is based on assumed average returns. Actual outcomes may vary depending on market conditions, fund selection, expense ratios and consistency of investments. Image Source: Meta-AI

Increasing SIP Amounts Can Shorten Tenure

As income grows, investors may choose to increase their daily SIP amount. Even small step-ups can significantly reduce the time needed to reach long-term financial goals. Image Source: Meta-AI

Inflation Can Affect Real Value

While Rs 25 lakh is a significant milestone, inflation can reduce its purchasing power over time. Investors should align their target corpus with future expenses, not just headline numbers. Image Source: Meta-AI

Disclaimer

This content is for information only and does not constitute investment advice. Mutual fund investments are subject to market risks. Assumed returns are illustrative, and investors should consult a qualified financial advisor before investing. Image Source: Meta-AI

Next: Starting With Rs 10,000 Monthly: A Practical Path To Passive Income In 2026

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