₹10,000 monthly SIP can grow to ₹1 crore in about 39 years

A systematic investment plan (SIP) of ₹10,000 per month, assuming an average annual return of 12 % and monthly compounding, can accumulate roughly ₹1 crore after about 39 years. Over that period the investor would contribute ₹46.8 lakh, and the compounded earnings would bring the total fund to approximately ₹1.01 crore.

Experts stress that disciplined, uninterrupted contributions and the power of compounding are key. Delaying the start or pausing the SIP during market downturns would extend the time needed or require larger monthly amounts to reach the same target.