How I Became a Crorepati with Just ₹10,000 Monthly SIP

The Beginning: My Humble Start

In 2015, I was a 25-year-old IT employee in Bangalore earning ₹50,000/month. Like most millennials, I spent impulsively—Uber rides, food deliveries, and weekend splurges left me with zero savings.

One day, my colleague Rohan (who drove a Mercedes at 30) said:
"You’re wasting your biggest wealth-building tool: TIME. Start a SIP today."

The Plan: ₹10,000 SIP in Equity Funds

I started with just ₹10,000/month in:

• Nifty 50 Index Fund (₹6,000)

• Mid-Cap Fund (₹3,000)

• Small-Cap Fund (₹1,000)

My Rules:
✅ Never stop SIPs (even in crashes)
✅ Increase SIP by 10% yearly
✅ Reinvest dividends

The Journey: Key Milestones

The Math: How SIPs Made Me a Crorepati

• Monthly SIP: ₹10,000 (increased to ₹17,000 by 2025)

• Tenure: 10 years

• Average CAGR: 14% (Nifty’s historical return)

• Total Invested: ₹16.8 lakhs

• Final Value: ₹1.02 crore

Secret: Staying invested through 3 market crashes (2016, 2018, 2020) bought me more units at low prices.

5 Lessons I Learned

1. Start Early, Stay Consistent

• Had I started at 30, I’d need ₹25,000/month to reach ₹1Cr in 10 years.

2. Time in Market > Timing Market

• My friend who "waited for the right time" still hasn’t started.

3. Increase SIPs with Salary Hikes

• My ₹10K SIP became ₹17K over time—accelerating growth.

4. Ignore Short-Term Noise

• 2018 headlines screamed "MARKET CRASH!" but SIPs thrived long-term.

5. Automate to Avoid Temptation

• SIPs ran on auto-debit—no chance to spend that money.

Your Turn: How to Replicate This

Step 1: Start Today

• Even ₹5,000/month can grow to ₹50L+ in 15 years (14% CAGR).

Step 2: Pick the Right Funds

• 60% Large-Cap Index Fund (e.g., UTI Nifty 50)

• 30% Flexi-Cap Fund (e.g., Parag Parikh Flexi Cap)

• 10% Small-Cap Fund (e.g., Nippon India Small Cap)

Step 3: Track & Stay Patient

• Review annually but never pause SIPs.

Final Motivation

"Every ₹10,000 SIP is a seed. Water it for 10 years, and it grows into a money tree."

Your ₹1 crore dream is just a SIP away.