Can you really become a crorepati with just ₹5,000/month?
Yes — you don’t need lakhs to build wealth. You need consistency, patience, and time.
In this blog, we’ll show you how a simple ₹5,000 monthly SIP can turn into ₹1 crore — step by step.
The Magic Formula: ₹5,000/month + Time + Compounding
Here’s the math:
Monthly SIP: ₹5,000
Expected Return: 12% annually
Target Corpus: ₹1 crore
Time Required: ~24 years
Yes, 24 years may sound long — but the earlier you start, the easier it gets.
| SIP Amount | Tenure | Return (12%) | Total Corpus |
|---|---|---|---|
| ₹5,000 | 24 yrs | ₹1 Cr+ | ₹1,00,38,740 |
Don’t wait to invest big. Start small, start now.
Tools You Need
Mutual Fund App: Groww / Zerodha / Kuvera / Paytm Money
SIP Calculator: Use Vizzve’s SIP calculator to track goals
Investment Type: Index Funds / Flexi-Cap Funds / ELSS
Auto-Debit: Automate your monthly SIP from salary account
Best Mutual Funds for ₹5,000 SIP (2025)
Nippon India Small Cap Fund
Parag Parikh Flexi Cap Fund
Axis Bluechip Fund
UTI Nifty Index Fund
Quant Active Fund
⚠️ Always do your research or consult a SEBI-registered advisor before investing.
Why ₹1 Crore Is Achievable
Power of Compounding
Your money earns returns
Then those returns earn more returns
Over time, it grows exponentially
Example:
In the first 10 years: You invest ₹6 lakh, grow to ₹11 lakh
In next 10–15 years: Compounding takes it to ₹1 crore+
Time is more powerful than timing.
Tips to Speed Up the ₹1 Crore Goal
Start Early: Start at age 25 and you’ll hit ₹1 Cr by 49
Increase SIP by 10% yearly: ₹5,000 becomes ₹10,000 over time
Avoid Withdrawals: Let it stay invested — even through market dips
Reinvest Bonuses: Use annual bonuses to top-up SIPs
Track Quarterly: Use Vizzve tools to review performance and rebalance
❌ Mistakes to Avoid
Pausing SIPs during market crashes
Investing without a long-term mindset
Ignoring inflation while setting goals
Taking advice from non-finance influencers
Real-Life Example: From ₹5,000 to Crorepati
Ramesh, a 26-year-old IT professional, started a ₹5,000 SIP in 2025.
He never missed a month. In 2049, he turned 50 with a ₹1 crore portfolio — while most of his friends were still struggling with loans.
FAQs
1. Can I build ₹1 crore faster with higher SIP?
Yes! A ₹10,000 SIP gets you ₹1 crore in ~17 years.
2. What if I miss 2–3 SIPs a year?
No problem. But the longer you skip, the more it delays your goal.
3. Are mutual funds safe?
They carry risk, but with long-term SIPs in good funds, they offer inflation-beating returns. SEBI-regulated and tax-efficient.
4. Should I invest ₹5,000 in one fund or split it?
Split into 2 funds: one aggressive (equity/small cap), one stable (index/flexi-cap).
Final Thought: ₹5,000 is Not Small
It may feel small now — but with discipline, ₹5,000/month can build a legacy.
Don’t chase money. Chase the habit of smart investing.
Because you don’t need to be rich to invest — you invest to get rich.
Start with Vizzve Today
🟢 Track SIPs
🟢 Get reminders
🟢 Plan ₹1 Cr, ₹50L or retirement goals
🟢 Learn through beginner-friendly blogs
💬 Want a free SIP goal tracker or a downloadable ₹1 Cr roadmap? Just ask!
Published on : 26th July
Published by : SMITA
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