Learn how to make ₹1 crore in 5 years with SIP. Discover the best mutual funds, SIP amount, and smart investment plan to reach your 1 crore goal.
Introduction
Everyone dreams of becoming a crorepati — having ₹1 crore in your bank account sounds exciting, right? But you might think it’s only possible with a big salary or business. The truth is, you can make ₹1 crore through smart investing — even with a regular income — by learning how to make 1 crore in 5 years with SIP.
A Systematic Investment Plan (SIP) is one of the easiest and smartest ways to grow your wealth.
In this article, you will learn how to make 1 crore in 5 years with SIP, how much to invest every month, the best funds to choose, and the simple steps to reach your 1 crore goal.
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What is SIP (Systematic Investment Plan)?
Before understanding how to make 1 crore in 5 years with SIP, let’s first understand what SIP means.
SIP stands for Systematic Investment Plan — a method of investing a fixed amount regularly in mutual funds. You don’t need a big amount to begin — even ₹500 or ₹1,000 per month is enough.
With SIP, you can:
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Invest a fixed amount every month or quarter
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Benefit from rupee cost averaging
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Enjoy compounding returns over time
In simple words, SIP helps your money grow automatically through regular and disciplined investing. That’s why SIP is the best tool to reach your 1 crore target.
If you want to start SIP, read this step-by-step guide on how to invest smartly in India:
How to Start SIP in India – Step by Step Guide
Why SIP is the Best Way to Create Wealth?
If you want to know how to make 1 crore in 5 years with SIP, you must understand why SIP is such a powerful wealth creator.
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Easy to Start – You can start small and grow slowly.
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Disciplined Investment – Regular investment builds a habit of saving.
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Power of Compounding – Returns also start earning returns.
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Rupee Cost Averaging – You buy more when prices are low.
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Flexibility – You can increase or pause anytime.
SIP is not a get-rich-quick plan — it’s a get-rich-sure plan if you stay consistent.
How to Make 1 Crore in 5 Years with SIP
Now let’s understand step-by-step how to make 1 crore in 5 years with SIP and what amount you need to invest.
Key Factors
To make 1 crore in 5 years, three things matter most:
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Monthly SIP amount
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Investment period
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Expected annual return
1. Using SIP Calculator Example
If you want to know exactly how to make 1 crore in 5 years with SIP, you can use an online SIP calculator.
Let’s assume:
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Target: ₹1 crore
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Duration: 5 years
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Expected return: 12% per year
You need to invest ₹1,30,000 per month (approx) in a good equity mutual fund.
| Target | Time Period | Expected Return | Monthly SIP |
|---|---|---|---|
| ₹1 crore | 5 years | 12% | ₹1,30,000 |
| ₹1 crore | 7 years | 12% | ₹80,000 |
| ₹1 crore | 10 years | 12% | ₹43,000 |
As you can see, extending your investment period makes it easier to achieve ₹1 crore. But if your goal is fast growth, this is how to make 1 crore in 5 years with SIP using high monthly investments.
Want to see how your SIP can grow? Use the SIP Calculator 2025 to calculate how much your ₹5,000 monthly SIP can become in 10 years!
Use FREE SIP Calculator here:
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How to Start SIP for 1 Crore Goal
If you are serious about how to make 1 crore in 5 years with SIP, follow these 5 easy steps:
Step 1: Define Your Goal
Write down your goal clearly — you want ₹1 crore in 5 years through SIP. This clarity keeps you focused.
Step 2: Calculate SIP Amount
Use an SIP calculator to find how much you need to invest monthly to make ₹1 crore in 5 years.
Step 3: Choose the Right Mutual Funds
To learn how to make 1 crore in 5 years with SIP, choosing the right funds is crucial.
Pick equity mutual funds for high returns.
Top categories:
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Large Cap Funds
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Flexi Cap Funds
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Mid Cap Funds
Examples:
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Parag Parikh Flexi Cap Fund
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Mirae Asset Large Cap Fund
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Kotak Emerging Equity Fund
(Note: These are examples, not financial advice.)
Step 4: Automate Your SIP
Set up auto-debit so your SIP gets invested automatically every month.
Step 5: Stay Consistent and Patient
Consistency is the key. Don’t stop your SIP due to short-term market changes. This is how to make 1 crore in 5 years with SIP — by staying regular.
How SIP Compounding Works
To understand how to make 1 crore in 5 years with SIP, you must know compounding.
Suppose you invest ₹1,00,000 every month for 5 years at 12% annual returns:
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Total Investment = ₹60,00,000
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Final Corpus = ₹81,00,000+ (approx)
If the return is 15–18%, your amount can easily cross ₹1 crore.
This is the power of compounding — your profits earn profits too.
Smart Tips to Reach 1 Crore Faster
1. Increase SIP Every Year
Start with ₹80,000 and raise it by 10–15% yearly. This simple trick helps you reach your goal faster.
2. Choose Equity Funds
For higher returns, invest mainly in equity mutual funds. This is one of the smartest ways to make 1 crore in 5 years with SIP.
3. Stay Invested
Never stop SIP mid-way. Even during market falls, keep investing.
4. Rebalance Once a Year
Review your SIP portfolio once a year. If a fund is not performing, shift to a better one.
5. Avoid Panic
The market moves up and down — don’t panic. SIPs work best when you stay calm and consistent.
Realistic Expectation: Can Everyone Make 1 Crore in 5 Years?
Yes, anyone can learn how to make 1 crore in 5 years with SIP, but it depends on your capacity.
If ₹1.3 lakh per month feels too high, you can:
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Start with smaller SIPs
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Extend your time period
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Gradually increase SIP each year
For example, ₹50,000/month for 10 years can also grow to ₹1 crore (at 12% return). The destination is the same — only your journey is longer.
Benefits of Investing in SIP for Long-Term
Knowing how to make 1 crore in 5 years with SIP also teaches you why SIPs are great for wealth building:
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Wealth Creation – Builds wealth slowly but surely.
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No Market Timing Needed – SIP manages ups and downs automatically.
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Financial Discipline – Makes saving a habit.
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Flexibility – Start, stop, or increase anytime.
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Goal-Based Investing – Perfect for big goals like buying a house or retirement.
Common Mistakes to Avoid
Even if you know how to make 1 crore in 5 years with SIP, avoid these mistakes:
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Stopping SIP during a market crash
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Choosing funds only for high past returns
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Not checking your portfolio yearly
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Withdrawing before your goal time
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Ignoring your risk tolerance
Avoiding these mistakes will keep you on track toward your ₹1 crore dream.
Conclusion
Becoming a crorepati isn’t luck — it’s a result of discipline, patience, and smart investing.
Now you know how to make 1 crore in 5 years with SIP — plan your investment, stay consistent, and let compounding do the magic.
Start small, stay focused, and keep increasing your SIP yearly.
Remember, wealth grows with time, not timing.
Looking to start your SIP? Check out our detailed list of 10 Best Mutual Funds 2025 to Start SIP and pick the right one for your goals!
FAQs (Frequently Asked Questions)
Q1: Can I make ₹1 crore in 5 years with SIP?
Yes, if you invest about ₹1.3 lakh monthly in good equity mutual funds. This is exactly how to make 1 crore in 5 years with SIP.
Q2: What if I can’t invest ₹1.3 lakh monthly?
You can extend your investment time. For example, ₹70,000 per month for 7 years can also reach ₹1 crore.
Q3: Is SIP safe for 5-year goals?
Yes, if you invest in a mix of equity and balanced funds. For short-term goals, avoid only equity.
Q4: Which is better — SIP or lump sum?
SIP is better for regular income earners. It’s safer and consistent.
Q5: How to calculate SIP for 1 crore goal?
Use an SIP calculator online — it shows exactly how to make 1 crore in 5 years with SIP by showing the monthly amount required.