Everyone dreams of becoming a crorepati.
But what if I told you ₹1,000 a month—less than a pizza night—can turn into ₹10 lakh… ₹1 crore… even more, if you simply stay consistent?
Let’s break it down step by step.
(All examples assume 12 % annualised returns through diversified equity mutual funds.)
📅 SIP Growth Over Time
| Period (Years) | Total Invested | Future Value (@ 12 %) | Wealth Created |
|---|---|---|---|
| 10 | ₹1.2 L | ₹2.3 L | ₹1.1 L |
| 15 | ₹1.8 L | ₹4.9 L | ₹3.1 L |
| 20 | ₹2.4 L | ₹9.9 L | ₹7.5 L |
| 25 | ₹3.0 L | ₹18.6 L | ₹15.6 L |
| 30 | ₹3.6 L | ₹35.0 L | ₹31.4 L |
| 35 | ₹4.2 L | ₹65.6 L | ₹61.4 L |
| 40 | ₹4.8 L | ₹1.22 Crore | ₹1.17 Crore |
So yes—₹1,000 per month for 40 years can make you a crorepati even without increasing the SIP.
🔁 What If You Increase SIP by 10 % Every Year?
Investors often raise SIPs with salary hikes.
Let’s see the impact:
| Years | Starting SIP | Annual Step-Up | Final Corpus |
|---|---|---|---|
| 20 | ₹1 000 | +10 % p.a. | ₹15 L |
| 30 | ₹1 000 | +10 % p.a. | ₹56 L |
| 35 | ₹1 000 | +10 % p.a. | ₹1.25 Cr |
| 40 | ₹1 000 | +10 % p.a. | ₹2.6 Crore + |
That’s the magic of step-up SIPs — your contribution grows slowly, but your wealth grows exponentially.
🧮 Formula Behind It (for curious minds)
FV=SIP×(1+r/12)12n−1r/12FV=SIP×r/12(1+r/12)12n−1
Where
- r = expected annual return (e.g., 0.12)
- n = investment years
This is the same formula your Vibuzone calculators use under the hood — now you know why consistency beats timing!
🧠 SIP vs FD: Big Picture
| Product | Return p.a. | 20 Years Value (₹ 1 000 / mo) | Tax Impact | Real Value (After Tax) |
|---|---|---|---|---|
| FD | 6 % | ₹4.6 L | 30 % on interest | ₹3.9 L |
| SIP | 12 % | ₹9.9 L | 10–12 % on gains | ₹8.8 L |
→ Difference: ₹4.9 L, even on ₹1 000 monthly.
Scale it up to ₹10 000/month and the gap becomes ₹49 L !
🏠 What ₹1,000 Daily Can Do (₹30 000 / month)
If someone invests ₹30 000 per month for 30 years @ 12 %,
the corpus becomes ₹8.4 Crore.
At 8 % withdrawal rate, that’s ₹56 lakh yearly passive income—a luxury retirement!
🚀 Ready to Begin?
You don’t need to start big — you need to start early.
Even ₹500 or ₹1 000 monthly builds financial freedom if you stay invested long enough.
Every day you delay, you lose the compounding of tomorrow.
🪙 Key Takeaways
- Start now, not later.
- Increase SIP by 5–10 % yearly.
- Stay for at least 15 years to see real power.
- Ignore market noise; focus on your goal.
© 2025 Vibuzone | For educational illustration only — not investment advice. Mutual-fund investments are subject to market risks; read all scheme-related documents carefully.