How to Make 10 Crore Corpus in 10 Years?

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To create a corpus of ₹10 crore in 10 years, you will have to invest ₹4.05 lakh every month for the coming 10 years, if the returns from your equity portfolio are assumed to be 12% per annum 

If we assume a 10% yearly return, you will have to invest ₹4.58 lakh per month. The monthly investment also includes the growth of the present corpus of ₹32 lakh at the same rate.  Alternatively, you can start investing ₹1.8 lakh every month and increase systematic investment plan (SIP) amount by 20% every year to achieve your goal assuming a 12% annual return.  While the information on the monthly investible surplus is not available, if I assume that your monthly investible surplus is ₹50,000, you will be able to create a corpus of ₹2.1 crore. 

For a monthly investment of ₹1 lakh, your corpus could reach ₹3.2 crore, and for a monthly investment of ₹2 lakh, you will be able to accumulate ₹5.43 crore at the end of 10 years. This can help you get some idea of how much you will be able to accumulate depending on your monthly surplus.

 On the portfolio construction, it is better to diversify investment across six to eight funds.  Along with the existing funds, you can consider funds like Canara Robeco Emerging Equities Fund, Sundaram Large & Mid Cap Fund, SBI or IIFL Focused Equity Fund, and Kotak Emerging Equity Fund. You can restrict the allocation to Kotak Emerging Equity Fund to 10% as this is a mid-cap fund and carries additional risk.

10 Crore rupees in Lumpsum Investment

It may appear impossible to create a plan to build Rs. 10 crore in 20 years. However, much like planning for any financial goal, you must ascertain three things.

First, start-up cash or the first investment. The yearly returns, second. Thirdly, there is the time frame, which in this case is 20 years.

Calculating the starting money and the yearly returns you would need to attain over the following 20 years is one method to make plans for this Rs. 10 crore aim.

For instance, if you had Rs. 10 lakh in investible excess, you would reach Rs. 10 crore after 20 years at a rate of return of 26%. Similar to this, it will take 20 years and a 20.3 percent yearly return for someone starting with Rs. 25 lakh to attain Rs. 10 crores.

The issue remains in the prospect of obtaining a 20 or 25 percent annual return every year for the following 20 years, despite the fact that the math is straightforward. Such astounding gains are only seen during market rallies, and obtaining such returns continuously over the following two decades looks to be nearly impossible.

Investment In Year 0Annual ReturnsTarget
₹10 lakh25.9%₹10 crore
₹25 lakh20.3%₹10 crore
₹50 lakh16.2%₹10 crore
₹1 crore12.2%₹10 crore

However, if history is any indication, such returns are not unusual. Over the past 20 years, up to 19 Indian mutual fund schemes have generated an average annual return of 20%. And each of these is a Regular Plan. That would have been an extra 1-1.5 percent increase in returns if these had been Direct Plans.

Investing monthly using a Sip for Mutual Funds

The ideal approach to accomplish your long-term objectives is with a SIP investment in an equity mutual fund plan. It might potentially provide better returns than other asset classes. It could also aid in your fight against inflation, which is necessary to reach long-term objectives. They also receive favourable tax treatment. Long-term Capital Gains Tax on Investments Held for More Than A Year Is Now Tax-Free

Use our Investment Calculator to have an idea of the returns calculations.

According to the Union Budget for Fiscal Year 2018–19 as of First February Gains above one lakh per year are subject to a 10% tax, meaning that if a person makes 1.1 lakhs in long-term capital gains in a fiscal year, he must pay tax on the following amount: 1,10,000 – 1,00,000 = 10,000. Taxes of $1,000 result from 10% of $10,000.

SIP Plans to Earn $10 Million

You need discipline to amass a nine-figure fortune. And making investments through a SIP programme is probably the most efficient method to achieve it.

Investors are required to make a specified amount of money contributions at regular intervals under a systematic investment plan, or SIP. Additionally, even modest long-term SIP investments in mutual funds may dramatically increase your wealth.

You can construct a strategy for building a Rs. 10 crore corpus using certain SIP-related general guidelines. One such thumb rule is known as the 15-15-15 rule. According to the 15-15-15 rule, if you maintain a monthly SIP of Rs. 15,000 for 15 years and the mutual fund plan generates an annualised return of 15%, you would end up with a corpus of Rs. 1 crore.

Simply said, earning Rs. 1 crore with Rs. 15,000 a month for 15 years at a rate of 15% is possible.This 15-15-15 rule can also be usefully modified somewhat. For example, if you change this rule into a 15-15-30 rule, where you invest Rs. 15,000 at a rate of 15% over 30 years, you may amass a corpus of Rs. 10 crore.

In order to reach all of your financial goals, you should consider giving yourself a longer runway if you are in your 20s or 30s. You should also never undervalue the significance of disciplined investing utilising the SIP technique. However, the goal is to merely amass Rs. 10 crore in the next 20 years. Furthermore, you cannot place your faith in the possibility that stocks may provide a 15 %, 20%, or 25% annualised return.

SIP and Lumpsum in Combination

The difficulty of reaching a big amount like Rs. 10 crore is far more manageable when the lumpsum strategy and the SIP approach are combined.

Say, for instance, that our initial investment was Rs. 10 lakh. When this Rs. 10 lakh is compounded over 20 years, the wealth it creates is now roughly equivalent to what you would invest if you put aside Rs. 10,000 each month for the following 20 years. This indicates that you may attain your goal with a smaller SIP of Rs. 90,000 rather from needing to spend a lakh per month. The monthly SIP amount would also continue to decrease if the initial lump payment corpus was bigger, such as Rs. 30 lakhs or Rs. 50 lakh.


In conclusion, the goal of this blog is to provide you with investing ideas and tactics that will enable you to amass a sizeable corpus over time. The sum of Rs. 10 crore was used as a stand-in. Let’s say you wish to develop a strategy for a different sum, such as Rs. 5 crore, Rs. 15 crore, or any other sum you want. If so, you may quickly put together an investing strategy utilising the same investment concepts covered in this blog: Start with a substantial lump sum investment and then make disciplined SIP investments moving forward.