Question 1

How much SIP is required for 1 Crore in 15 years?

Accepted Answer

To reach ₹1 Crore in 15 years at an expected return of 12%, you need a monthly SIP of approximately ₹20,000. Using a 15% return expectation drops the requirement to about ₹15,000.

Question 2

Can I reach 50 Lakhs in 10 years with a 10k SIP?

Accepted Answer

A ₹10,000 SIP at 12% return will reach roughly ₹23 Lakhs in 10 years. To hit 50 Lakhs, you would need to increase your SIP to approximately ₹22,000 or use a yearly step-up.

Question 3

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

Accepted Answer

The 15-15-15 rule states that investing ₹15,000 per month for 15 years at a 15% return can result in a corpus of ₹1 Crore.

Question 4

How much should I invest monthly for a ₹25 Lakh goal in 5 years?

Accepted Answer

For short-term goals of 5 years, you need a higher monthly commitment. At 12%, you would need roughly ₹30,500 per month to reach ₹25 Lakhs.

Question 5

Is it possible to get 2 Crores in 20 years with a small SIP?

Accepted Answer

Yes. Due to the power of compounding, a monthly SIP of ₹20,000 at 12% return for 20 years can create a corpus of over ₹1.98 Crores.

Question 6

Which is better: SIP or Lumpsum for a bull market?

Accepted Answer

In a rising (bull) market, a Lumpsum investment usually yields higher returns as the entire capital is invested at a lower NAV. SIP is generally safer during volatile or falling markets.

Question 7

Is a 10k monthly SIP better than a 2 Lakh Lumpsum?

Accepted Answer

Over 5 years at 12%, a 10k SIP totals ₹8.2 Lakhs, while a 2 Lakh Lumpsum grows to ₹3.5 Lakhs. SIP is better for wealth building from income, while Lumpsum is for investing idle cash.

Question 8

How do SIP returns compare to FD returns in India for 2026?

Accepted Answer

While FDs offer safety with 6-7% returns, Equity SIPs historically target 12-15% over the long term. Our calculator shows the significant wealth gap created by this 5-8% difference over 10 years.

Question 9

Should I do a Step-up SIP or a Constant SIP?

Accepted Answer

A Step-up SIP (increasing your investment by 5-10% yearly) can often result in a final corpus 40-60% larger than a constant SIP, as it matches your annual salary hikes.

Question 10

Can I switch from Lumpsum to SIP?

Accepted Answer

Yes, investors often use a Systematic Transfer Plan (STP) to park a Lumpsum in a liquid fund and move it into equity via SIP to average out the purchase cost.

Question 11

What is an 'Inflation-Adjusted' SIP return?

Accepted Answer

It calculates the 'real value' of your future wealth. If you have ₹1 Crore in 20 years, its actual purchasing power might be much lower. Adjusting for 6% inflation helps you see the true value.

Question 12

How does the Expense Ratio affect my Lumpsum returns?

Accepted Answer

Even a 1% difference in expense ratio can eat away lakhs from your long-term wealth. Our calculator helps you see the net growth after fund management fees.

Question 13

What is the difference between XIRR and CAGR in SIP?

Accepted Answer

CAGR is used for point-to-point Lumpsum returns. XIRR is the accurate way to measure SIP returns because it accounts for multiple cash flows at different time intervals.

Question 14

Do I have to pay tax on my SIP returns?

Accepted Answer

Yes. Equity Mutual Funds are subject to LTCG tax (12.5% on gains above ₹1.25 Lakh) and STCG tax (20%). Our tool helps you estimate your net post-tax corpus.

Question 15

What is the impact of Exit Load on Lumpsum withdrawals?

Accepted Answer

If you withdraw within the first year, most funds charge a 1% exit load. This is a direct deduction from your total accumulated value, not just the profit.

Question 16

How much will a ₹5,000 SIP be worth after 30 years?

Accepted Answer

At a 12% return, a ₹5,000 SIP can grow to a massive ₹1.76 Crores over 30 years, highlighting the benefit of starting early.

Question 17

What happens if I miss one or two SIP installments?

Accepted Answer

Missing an installment doesn't penalize your existing wealth, but it reduces the final corpus. It is always better to pause your SIP rather than stop it entirely.

Question 18

Can I use a Lumpsum calculator for a single stock investment?

Accepted Answer

Yes, you can use it to estimate growth, but remember that individual stocks have higher volatility than the diversified mutual funds usually used in these calculators.

Question 19

How much should I save for a retirement corpus of 5 Crores?

Accepted Answer

To reach 5 Crores in 25 years at 12%, you need a monthly SIP of approximately ₹26,500.

Question 20

Is 15% return realistic for long-term SIP in India?

Accepted Answer

While the Nifty 50 has historically delivered around 12-13%, many mid-cap and small-cap funds have delivered 15%+. However, it is safer to plan your goals using a 12% conservative estimate.

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