Want a Corpus of ₹50 Lakh in 15 Years? Learn How Much SIP Need to Invest Each Month

SIP Investment: If you aim to build a large corpus in the coming years, starting to invest early is highly beneficial. Even small regular savings can create a substantial corpus over the long term. People often wonder how much they need to invest through SIPs each month to build a corpus of ₹50 lakh in 15 years.

Why Equity Schemes Offer Better Returns

Experts say that equity schemes in mutual funds offer better returns over the long term, especially over periods of 10 to 15 years. This is because longer time horizons allow compounding to play out its full potential. While equities carry risk, the impact of market fluctuations diminishes over time. If investors want to be more secure, they can invest some of their funds in high-quality debt schemes.

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What should be the monthly investment?

If an investor wants to have a corpus of Rs 50 lakh after 15 years, their SIP amount depends entirely on their annual returns. If the annual return is 9 percent, they will need to invest approximately Rs 13,213 per month. If the return is 10 percent, the required SIP amount will decrease to Rs 12,063. At an 11 percent return, the monthly investment comes down to approximately Rs 10,996. At a 12 percent return, investing just approximately Rs 10,008 per month can create a corpus of Rs 50 lakh in 15 years.

If returns increase, investment will decrease

These figures clearly show that the investment burden depends entirely on returns. If returns are high, the SIP burden is significantly reduced. This is why it is crucial to invest for the long term and take advantage of compounding. To build a corpus of ₹50 lakh, you may need to contribute a total of ₹18 lakh to ₹24 lakh over 15 years, while the remaining amount accumulates through compounding.

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Habits to Build a Large Fund

Discipline is crucial when building a corpus through SIPs. If you increase your SIP amount by approximately 10 percent each year, your corpus can exceed ₹50 lakh in 15 years. The advantage of starting to invest early is that market fluctuations are less impacted over time, and returns are more stable. Regularity, patience, and not worrying about short-term market movements are the simplest ways to build a large corpus.