Free Calculator · Complete Guide · 2026
SIP to Reach ₹2 Crore
How Much Per Month?
Double your wealth with a disciplined SIP plan. Find your exact monthly investment needed for ₹2 crore.
✓ Free Calculator✓ Step-up SIP included✓ Updated June 2026
🎯 SIP Calculator — ₹2 Crore Goal
₹
₹2,00,00,000 (2 Crore)
% p.a.
12% p.a.
Years
20 Years
% p.a.
Increase SIP % each year
⚡ Quick Answer
To reach ₹2 crore in 20 years at 12% annual returns, you need ₹18,500 per month via SIP. For 15 years: ₹36,000/month. For 10 years: ₹77,000/month. The earlier you start, the less you need to invest each month.
SIP Amount Needed for ₹2 Crore
| Time Period | At 10% Returns | At 12% Returns | At 15% Returns |
|---|---|---|---|
| 10 Years | — | — | — |
| 15 Years | — | — | — |
| 20 Years | — | — | — |
| 25 Years | — | — | — |
📌 Key Takeaways for ₹2 Crore Goal
- Start early — every 5 extra years roughly halves the monthly SIP needed
- Step-up SIP (10% annual increase) can reduce starting SIP by 30–40%
- Equity mutual funds historically deliver 11–14% CAGR over 15+ years in India
- Diversify across 2–3 funds — large cap, flexi cap, and mid cap
- Never pause or stop SIP during market corrections
Frequently Asked Questions
At 12% annual returns, you need ₹36,000 per month to reach ₹2 crore in 15 years. At 15% returns (mid-cap funds), the amount reduces significantly. Use the calculator above for exact figures at your expected return rate.
At 12% annual returns, you need ₹18,500 per month to reach ₹2 crore in 20 years. This is significantly lower than 15 years because of the extra 5 years of compounding. 20 years is considered the ideal SIP horizon for large wealth goals.
Yes. A Step-Up SIP where you increase the monthly amount by 10% every year requires a lower starting SIP amount and achieves the same goal faster. For example, instead of a fixed ₹18,500/month for 20 years, you could start with a lower amount and increase by 10% annually to reach the same ₹2 crore corpus.