If you want to build wealth slowly and safely, SIP (Systematic Investment Plan) is a smart choice. It is easy, disciplined, and helps you grow your money over time. But the big question is: How long will it take to build ₹30 lakh if you invest ₹10,000 every month in a SIP? Let’s break it down in simple words so anyone can understand.
What is SIP?
stands for Systematic Investment Plan. It allows you to invest a fixed amount of money every month in mutual funds. It is one of the best and safest ways to build long-term wealth. SIP helps you take advantage of rupee cost averaging and compounding.
Let’s say you invest ₹10,000 every month — that’s your SIP amount.
Goal: Build ₹30 Lakh
To reach ₹30 lakh, we need to know:
- How much you invest monthly (₹10,000)
- The average annual return (usually between 10% to 12% in equity mutual funds)
- The time (years) it will take
Now let’s understand it with some examples.
How SIP Works Over Time
We’ll consider 3 scenarios — different interest (return) rates.
1. At 10% Return Per Year
| Year | Total Investment | Approx Value |
| 5 Years | ₹6,00,000 | ₹7.75 Lakh |
| 10 Years | ₹12,00,000 | ₹20.60 Lakh |
| 12 Years | ₹14,40,000 | ₹30.30 Lakh |
So, at 10% return, it will take around 12 years to reach ₹30 lakh by investing ₹10,000/month.
2. At 12% Return Per Year
| Year | Total Investment | Approx Value |
| 5 Years | ₹6,00,000 | ₹8.18 Lakh |
| 10 Years | ₹12,00,000 | ₹23.23 Lakh |
| 11 Years | ₹13,20,000 | ₹30.06 Lakh |
With a 12% return, your target of ₹30 lakh can be achieved in around 11 years.
3. At 15% Return Per Year (Very Optimistic)
| Year | Total Investment | Approx Value |
| 5 Years | ₹6,00,000 | ₹8.99 Lakh |
| 10 Years | ₹12,00,000 | ₹27.84 Lakh |
| 10.5 Years | ₹12,60,000 | ₹30.10 Lakh |
At 15% return, you can reach ₹30 lakh in about 10.5 years. But remember, 15% is a high return and not guaranteed every year Important Things to Keep in Mind
- Returns are not fixed: Mutual fund returns change with the market. Some years may give good returns, others may not.
- Discipline is key: Don’t stop your SIP if the market goes down. Long-term investment smooths out the risks.
- Start early: The earlier you start, the faster you reach your goal — thanks to power of compounding.
- Tax Benefits: Some SIPs like ELSS (Equity Linked Saving Scheme) offer tax savings under Section 80C.
Small Tips for Success
- Be regular: Invest every month without fail.
- Stay invested long-term: Don’t break your SIP too early.
- Review yearly: Check your SIP’s performance once a year.
- Increase SIP if possible: If your income rises, try to invest ₹12,000 or ₹15,000 monthly — your goal will be achieved even faster.
Quick Table – Time to Reach ₹30 Lakh with ₹10,000
| Return Rate | Time to Reach ₹30 Lakh |
| 8% per year | Around 14.5 years |
| 10% per year | Around 12 years |
| 12% per year | Around 11 years |
| 15% per year | Around 10.5 years |
Final Words
If you start a ₹10,000 monthly SIP, you can build ₹30 lakh in around 10 to 12 years, depending on the return rate. is a smart and simple way to reach big goals slowly. It’s not magic it’s just smart, steady saving. So, the best time to start a SIP is today. The earlier you begin, the better your chances to grow your money. Whether your goal is a new house, your child’s education, or a peaceful retirement SIP can help you reach it.
