Selvayana: How much SIP do I need for ₹5 crore in 20 years?Educational estimate, not investment advice. Selvayana is not registered with SEBI as an Investment Adviser or Research Analyst. Figures use the assumptions shown and are not predictions.
How much SIP do I need for ₹5 crore in 20 years?
About ₹54,356 a month, if your investments earned an assumed 12% a year.
At an assumed 10%₹69,062/mo
At an assumed 14%₹42,609/mo
With a 10% yearly step-up₹26,836/mo to start
Investing ₹54,356 every month for 20 years adds up to ₹1.30 Cr of your own money. The remaining ₹3.70 Cr would come from growth at the assumed return. If you raise the SIP by 10% every year, you could start with ₹26,836. Returns are not guaranteed and can be much lower. Remember that ₹5 crore in 20 years will buy roughly what ₹1.56 Cr buys today, at 6% inflation.
Detailed breakdown
Last reviewed October 2026 · How we calculate · About Selvayana
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