How much SIP is needed for 1 crore in 15 years?

To accumulate ₹1 crore in 15 years, you need to invest ₹19,819 per month assuming 12% annual returns. This is based on the famous 15-15-15 rule where ₹15,000/month at 15% for 15 years gives approximately ₹1 crore.

What is the 15-15-15 rule in SIP?

The 15-15-15 rule states that investing ₹15,000 per month for 15 years at 15% annual returns will give you approximately ₹1 crore (₹1,01,52,946 to be exact). It's a simple rule to remember for crorepati planning.

Is 15 years a good time horizon for SIP?

Yes, 15 years is an excellent investment horizon. It allows maximum benefit from compounding - your wealth gain (64%) exceeds your investment (36%). Market volatility averages out over such long periods.

How Much SIP for 1 Crore in 15 Years?

₹19,819/month

at 12% expected annual returns

Total Investment₹35.67 Lakh

Wealth Gain₹64.33 Lakh

Duration180 Months

To accumulate ₹1 crore in 15 years, invest just ₹19,819 per month. The power of compounding over 15 years means your wealth gain (₹64.33L) nearly doubles your investment (₹35.67L).

The Famous 15-15-15 Rule

Invest ₹15,000/month for 15 years at 15% returns = ₹1,01,52,946 (approx. 1 Crore)

Monthly SIP for 1 Crore at Different Return Rates (15 Years)

Expected Return	Monthly SIP	Total Investment	Wealth Gain
8% (Conservative)	₹28,840	₹51.91 Lakh	₹48.09 Lakh
10% (Moderate)	₹23,861	₹42.95 Lakh	₹57.05 Lakh
12% (Equity Avg)	₹19,819	₹35.67 Lakh	₹64.33 Lakh
14% (Aggressive)	₹16,527	₹29.75 Lakh	₹70.25 Lakh
15% (15-15-15 Rule)	₹15,137	₹27.25 Lakh	₹72.75 Lakh

15 Years vs Other Timeframes for 1 Crore

Duration	Monthly SIP (12%)	Total Investment	Compounding %
10 Years	₹43,042	₹51.65 Lakh	94%
12 Years	₹31,952	₹46.01 Lakh	117%
15 Years	₹19,819	₹35.67 Lakh	180%
18 Years	₹13,284	₹28.69 Lakh	249%
20 Years	₹10,109	₹24.26 Lakh	312%

Key Insight: At 15 years, your compounding benefit (180%) is nearly double the 10-year benefit (94%). This is the sweet spot where time really works for you.

Step-Up SIP for 1 Crore in 15 Years

Start with even less by increasing your SIP annually:

Step-Up %	Starting SIP	Final Year SIP	Total Investment
0% (Flat)	₹19,819	₹19,819	₹35.67 Lakh
5% Annual	₹14,362	₹28,466	₹38.52 Lakh
10% Annual	₹10,822	₹41,242	₹42.46 Lakh
15% Annual	₹8,414	₹56,814	₹47.62 Lakh

Why 15 Years is the Sweet Spot for SIP

15 years offers the perfect balance between affordability and compounding power:

Affordable monthly amount: ₹19,819 is achievable for most middle-income earners
Maximum compounding: Your money doubles through returns alone (180% gain on investment)
Ride out volatility: 15 years absorbs multiple market cycles
Aligns with life goals: Perfect for child education or retirement planning

The 15-15-15 Rule Explained

The 15-15-15 rule is a simple heuristic for remembering how to become a crorepati:

₹15,000 invested monthly
For 15 years
At 15% annual returns
Equals approximately ₹1 crore

While 15% returns are aggressive, mid-cap and small-cap funds have historically delivered such returns over 15+ years. For conservative planning, use 12% (₹19,819/month) or 10% (₹23,861/month).

Frequently Asked Questions

Is the 15-15-15 rule realistic?

The rule assumes 15% returns which is aggressive. Historically, diversified equity funds have delivered 12-14% over 15 years. For realistic planning, use 12% (requiring ₹19,819/month) instead of 15%.

Why is 15 years better than 10 years for SIP?

With 15 years, you invest ₹16 lakh less while reaching the same ₹1 crore goal. The extra 5 years of compounding does the heavy lifting. Your wealth gain at 15 years (180%) is nearly double that of 10 years (94%).

Should I use step-up SIP for 15-year goal?

Yes, especially if you're early in your career. Starting with ₹10,822/month (10% step-up) instead of ₹19,819 is much easier. Your SIP grows with your salary, making it sustainable.

Which funds are best for 15-year SIP?

For 15 years, you can afford more equity exposure: Flexi-cap funds (60%), Mid-cap funds (20%), and Large-cap/Index funds (20%) is a balanced allocation. Review annually but don't react to short-term volatility.

What if I start late and have only 10 years?

You'll need ₹43,042/month instead of ₹19,819 - more than double. Consider combining SIP with lumpsum if available. Alternatively, target a lower corpus and extend to 12 years (₹31,952/month).