Investment: By investing this much from the age of 25, you can create a fund of Rs 10 crore, here is the complete calculation..
Whenever it comes to investing, the common investor's primary concern is to invest their money in a place that generates profits. Any losses can be managed. SIPs and post-office schemes are considered the best options for investors with this type of investment, as they offer significantly lower risk compared to the stock market. Let us explain how to invest through SIPs, where you can invest from the age of 25, 30, 35, or even 40 to build a corpus of ₹10 crore by the age of 60.
For investors seeking a large corpus, starting early is always beneficial. This is when the true impact of compound interest becomes apparent. As experts often say, the most important step in investing is getting started, and the second is giving your money enough time to grow. If you continue to invest consistently, even a small monthly SIP can turn into a substantial retirement fund. A 2025 report by FundsIndia Wealth Conversations suggests that if you invest regularly through SIPs and earn around 12% annual returns, it's possible to build a corpus of ₹10 crore by retirement.
Start Early, Invest Less
To achieve your goals through SIPs, the key is to start early. The earlier you start investing, the less you'll need to invest. If you start at 25, a monthly SIP of just ₹15,396 is sufficient. However, if you start at 40, achieving the same goal will require more than ₹1 lakh per month. The report emphasizes an important point: time is the key to accumulating wealth. Even a delay of just five years can multiply your SIP amount.
Benefits of Lump Sum Investments
The same applies to lump sum investments. If you invest ₹1 lakh at age 20, it could grow to approximately ₹93 lakh by age 60. If you invest the same amount at age 40, it would only grow to ₹9 lakh. Money takes time to grow. The earlier you start planning for retirement, the greater the benefits. Small, consistent savings today can add up to a substantial retirement fund later.
SIP Calculator
At age 25 - Monthly SIP Rs 15,396, tenure 35 years, amount after 35 years Rs 10 crore
At age 30 - Monthly SIP Rs 28,329, tenure 30 years, amount after 30 years Rs 10 crore
At age 35 - Monthly SIP Rs 52,697, tenure 25 years, amount after 25 years Rs 10 crore
At age 40 - Monthly SIP Rs 1,00,085, tenure 20 years, amount after 20 years Rs 10 crore
Benefits of Starting Early
If you start an SIP at age 25, a monthly investment of around Rs 15,000 is enough to accumulate Rs 10 crore by age 60. If you start at age 30, you will need Rs 28,000 per month. Starting at age 35 will require ₹52,000 per month, and around ₹1 lakh by age 40. Early investors benefit the most.
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