If any single dream of an investor in India is to build a ₹1 crore corpus, the option of unlocking bank deposits that are not earning high interest through SIP stands out as the most sure method of building it. With SBI Mutual Fund offering some of the best performing equity schemes, 2025 may present the opportunity to begin your money-making journey.
Why choose an SIP for wealth creation?
A Systematic Investment Plan (SIP) is such an investment scheme wherein you invest a fixed amount of money every month, thereby saving through rupee cost averaging and benefiting from compounding. This discipline reduces the risk due to market volatility and ensures steady growth in your wealth over time. SBI’s equity mutual funds have garnered 10-14% annual returns in the past, hence these are preferred for long-term goals such as retirement planning or children’s education.
SIP Amount for ₹1 Crore
The amount to invest depends on the tenure as well as the expected return. For example, assuming a 12% annual return:
| Investment Period | Monthly SIP Needed | Corpus at Maturity |
|---|---|---|
| 10 Years | ₹43,000 | ₹1 Crore |
| 15 Years | ₹16,000 | ₹1 Crore |
| 20 Years | ₹7,500 | ₹1 Crore |
The same example also depicts that the earlier one shall start, the lower monthly burden one will face. A 20-year SIP will require Rs 7,500 per month to reach Rs 1 crore, whereas by delaying for another 10 years, the amount multiplies almost by six.
Best SBI Mutual Funds for SIPs in 2025
Some of the popular SBI schemes for SIP investments include the SBI Small Cap Fund, SBI Bluechip Fund, and the SBI Focused Equity Fund. These funds have provided consistency in performance coupled with good fund management and create wealth over the long term.
Final Words
Investing in SBI mutual funds through SIP is one of the finest routes to achieve your target of 1 crore. The sooner one starts, the better. Consistency with investments coupled with yearly reviews to ascertain that the investments conform to your financial objective is what counts.