Abhijit Basak
Feb 3, 2026
In India, ₹1 crore symbolises security and freedom. It can support housing goals, education plans or retirement needs, making it a widely accepted benchmark for long-term financial success among salaried investors.
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SIPs allow investors to put a fixed amount into mutual funds at regular intervals. This removes the stress of market timing and encourages consistency, which is essential for building meaningful wealth over long periods.
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Compounding enables returns to generate further returns. Over long durations, this snowball effect accelerates growth, making time invested more important than trying to chase short-term market movements.
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SIPs automatically average purchase costs by buying more units when markets dip and fewer when prices rise. This helps reduce overall investment cost and smoothens volatility across market cycles.
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At ₹10,000 per month over 21 years, total investment reaches about ₹25.2 lakh. Assuming a 12% annual return, the estimated corpus can grow to roughly ₹1.04 crore through long-term equity exposure.
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The illustration uses a 12% annual return, a commonly referenced long-term expectation for diversified equity funds. Actual returns vary, but equity has historically rewarded patience over extended periods.
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Increasing SIP contributions by 10% annually can significantly shorten the journey. With step-ups, investors may approach the ₹1 crore goal in about 15–16 years instead of waiting over two decades.
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Markets may correct temporarily, but long-term SIP investors benefit from recovery cycles. Staying invested helps capture growth phases, reinforcing the idea that time in the market matters more than timing it.
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A SIP converts regular savings into a disciplined investment habit. Over time, money begins working continuously through market participation, creating wealth even while investors focus on daily responsibilities.
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This content is for information only. Mutual fund investments are subject to market risks. Returns shown are illustrative, not guaranteed. Investors should assess suitability and consult a qualified financial adviser before investing.
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