How I Became a Crorepati with Just ₹10,000 Monthly SIP
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.
5/19/20252 min read
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.

