Can I Reach ₹1 Crore in 8-9 Years by Investing ₹30-35K Monthly? Let’s Find Out!


This question was asked in a public forum, and I’m sharing the best possible answer for everyone’s benefit.
By WealthCare Vest by Raghav Goel

If you're earning ₹1 lakh a month and investing ₹30K to ₹35K in SIPs, you're already on the right path. But the big question is — can you really hit ₹1 crore in the next 8 or 9 years?

Let’s break it down in the simplest way possible.


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Current Situation:

Salary: ₹1,00,000 in-hand per month

Current SIP: ₹30K–₹35K/month

Existing Portfolio: ₹17.7 lakhs

Investment Goal: ₹1 Cr / ₹2 Cr / ₹5 Cr

Expected Returns: 12% annually (moderate and realistic)

Market Movement Today: +0.83% (just an example of daily fluctuation)



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Goal 1: ₹1 Crore

With ₹30,000 SIP/month:

In 8 years – you may reach ₹88.4 lakhs

In 9 years – you can cross ₹1.02 crore


With ₹35,000 SIP/month:

In 8 years – you may reach ₹96 lakhs

In 9 years – you can reach ₹1.11 crore


Conclusion:
You can reach ₹1 crore in 9 years, especially if you invest ₹35K monthly. Increasing your SIP slightly helps you hit the goal sooner and more confidently.


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Goal 2: ₹2 Crores

With ₹30,000 SIP/month:

You’ll need to invest for 13 years and 1.5 months


With ₹35,000 SIP/month:

You’ll reach the goal in around 12 years and 6 months



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Goal 3: ₹5 Crores

With ₹30,000 SIP/month:

You’ll need to invest for about 20 years and 1.5 months


With ₹35,000 SIP/month:

Goal can be achieved in 19 years and 4 months



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WealthCare Tip:

If your income grows over time, try to increase your Step up SIP amount by 5-10% every year. This small habit can speed up your journey to wealth in a big way.


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Final Words:

Dreaming big is great — but planning wisely is even better. Whether you want ₹1 crore in 9 years or ₹5 crores in 20 years, staying consistent with your SIPs is the key.

You don’t need to chase risky investments — just be regular, patient, and let the power of compounding do the magic!


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Disclaimer:
Mutual Fund investments are subject to market risks. Past performance is not a guarantee of future results. Please consult your financial advisor before making any investment decision.


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Brought to you by:
WealthCare Vest by Raghav Goel
Caring for your wealth, strengthening your investment.
https://linktr.ee/wealthcarevest


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