SIP for ₹50 Lakh in 15 Years — How Much to Invest Monthly
To accumulate a corpus of ₹50 Lakh in 15 years at an expected 12% annual return (net of 0.5% expense ratio), you need to invest approximately ₹10,493 every month via SIP. Your total investment over the period will be ₹18.89 L, with compounding generating the remaining ₹31.11 L in wealth gains. Use the calculator below to adjust the return rate or target amount.
Last updated: 20 May 2026, 11:00 AM IST
Required Monthly SIP
₹10,493/month
at 12% returns over 15 years to reach ₹50 Lakh
Data Sources
- AMFI — Mutual Fund NAV Data (2026) — www.amfiindia.com
- SEBI — Expense Ratio Guidelines (2025) — www.sebi.gov.in
- RBI — Inflation Data (2026) — www.rbi.org.in
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Important: This calculator provides estimates based on the inputs and assumptions you provide. Results are mathematical projections, not financial advice or recommendations. Actual outcomes will vary based on market conditions, policy changes, individual circumstances, and factors not captured by this tool. Verify all figures independently and consult qualified professionals before making financial decisions.
Building ₹50 Lakh in 15 Years — Worked Example
Abhishek is a 30-year-old mechanical engineer at an auto company in Chakan, Pune. He needs ₹50 L in 15 years for a combination of his children's education and a small ancestral property renovation. The required SIP is ₹10,493/month at 12% returns. With 15 years, compounding does most of the heavy lifting: his total investment is just ₹18.89 L, but the corpus reaches ₹50.00 L — meaning compounding contributes ₹31.11 L, which is 1.65x his own money. Abhishek's key advantage over the 10-year plan: the required SIP (₹10,493) is less than half of what the 10-year plan demands (₹22,381). Those extra 5 years cut the monthly burden by 53%. He uses this breathing room to run a parallel PPF investment for Section 80C benefits and a term insurance policy for family protection. His three-fund strategy: ₹6,000 in Nifty 50, ₹3,000 in Nifty Next 50, and ₹1,493 in an aggressive hybrid fund for built-in downside protection.
NISM XIX-C certified · Partner, Tykhe Ventures (SEBI AIF Cat II) · Founder, RupayWise
Ganesh Kompella is NISM Series XIX-C certified — the certification for Alternative Investment Fund managers — and a Partner at Tykhe Ventures, a SEBI-registered Category II AIF (~$20 M AUM). He's a self-taught engineer who built RupayWise and its 230+-test calculation engine because India's finance tools were built to sell products, not to help you decide. RupayWise is an educational platform — not a SEBI-registered Investment Adviser.
Frequently Asked Questions
How much SIP needed for ₹50 lakh in 15 years vs 10 years?
15 years requires ₹10,493/month versus ₹22,381/month for 10 years — a 53% reduction. Those extra 5 years let compounding do ₹15 L of additional work. If you can start earlier, the lower monthly commitment makes the goal far more achievable.
Is ₹50 lakh enough for two children's education in 15 years?
It depends on the institution. Government engineering/medical colleges may cost ₹10-15 L total per child by 2041. Private universities could cost ₹30-50 L each. For two children in private colleges, ₹50 L may not suffice — consider a 10% annual SIP step-up to target ₹80 L-1 Cr.
Three-fund portfolio for ₹10,000 SIP — how to structure it?
60% Nifty 50 (₹6,000) for stable large-cap growth, 30% Nifty Next 50 (₹3,000) for mid-large-cap growth kicker, and 10% aggressive hybrid fund (₹1,000) for automatic equity-debt rebalancing. This gives diversification without over-complication.
Should I consider education loans instead of SIP for college fees?
Use both. SIP corpus covers 50-70% of fees; an education loan at 8-9% covers the rest. The loan gives the student a stake in their education, and interest is tax-deductible under Section 80E. Do not exhaust your entire SIP corpus — keep some for your own retirement.
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Disclaimer: This calculator provides estimates based on assumed return rates and does not guarantee actual investment returns. Mutual fund investments are subject to market risks. Past performance is not indicative of future results. The 12% return assumption is based on historical long-term equity fund averages and may not be achieved in practice. This is not investment advice — consult a SEBI-registered investment advisor for personalised recommendations. RupayWise is not a financial advisor or distributor.