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A small monthly sum can quietly snowball into a fortune if you place it in the right funds. The journey from Rs 10,000 to Rs 1 crore begins far sooner than most imagine
Investing Rs 10,000 monthly in a diversified mutual fund portfolio can grow to Rs 1 crore in 15-23 years with 12-15% annual returns. (AI Generated)
You can move steadily towards your goal of accumulating Rs 1 crore simply by saving Rs 10,000 each month. There is no need for complicated formulas; you only need to know how to invest wisely.
With consistent contributions and the power of compounding, your money can grow quietly and significantly over time.
A balanced way to divide your monthly Rs 10,000 investment is as follows:
- 25% (Rs 2,500) into a flexi-cap fund
- 20% (Rs 2,000) into a multi-cap fund
- 20% (Rs 2,000) into a large and mid-cap fund
- 20% (Rs 2,000) into a mid-cap fund
- 15% (Rs 1,500) into a small-cap fund
By spreading your SIPs across five categories, you distribute risk and give your portfolio a better chance of stable, long-term growth.
How Long Will It Take To Reach Rs 1 Crore?
If you follow a 10% step-up SIP, for instance investing Rs 10,000 in 2025 and Rs 11,000 in 2026, you may reach the Rs 1 crore milestone in around 15 years. On average, SIPs deliver 12-15% annual returns, and some well-performing funds have offered nearly 15% returns over the past decade or more.
With consistent SIPs, investors typically reach Rs 1 crore in 20-23 years.
Understanding The Fund Categories
- Flexi-cap funds allow managers complete freedom to invest across large, mid, and small caps, enabling better risk–return balancing based on market conditions.
- Multi-cap funds invest in all three market caps, spreading risk and capturing varied opportunities.
- Large and mid-cap funds offer a blend of stability from large companies and growth potential from mid-sized ones.
- Mid-cap funds focus on fast-growing companies. They carry moderate to high risk but also offer strong long-term return potential.
- Small-cap funds are the most volatile but can deliver the highest returns over a long horizon, making them suitable for investors comfortable with higher risk.
- This mixed portfolio ensures that at least one segment typically performs well, regardless of market cycles.
How To Start Investing?
- Open a Demat and mutual fund account (Groww, Zerodha, etc.).
- Assess your risk profile.
- Begin five separate SIPs.
- Increase your SIP contributions by 10-15% every year as your income rises.
- Avoid withdrawing this money for at least 15-20 years.
Disclaimer: This article is for informational purposes only. Users are advised to check with certified experts before taking any investment decisions. News18 bears no responsibility for any gains or losses incurred.
November 18, 2025, 12:55 IST
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