📈 SIP Calculation: ₹20,000 Per Month Investment Me ₹11 Crore Kaise Banaye?
Agar aap ₹20,000 per month SIP (Systematic Investment Plan) se invest karte hain to kitne time me ₹11 crore ka corpus create hoga, yeh jaanna sabhi long-term investors ke liye zaruri hai. Mutual Funds me SIP ek powerful tool hai jo compounding ke jariye wealth generate karta hai.
✅ Calculation Parameters
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Monthly SIP: ₹20,000
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Expected Annual Return: 12% per annum (average equity mutual fund returns)
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Target Corpus: ₹11 Crore
✅ Kitne Saal Me ₹11 Crore Banega?
| Time Period | Approximate Value |
|---|---|
| 20 Years | ₹2.0 Crore |
| 25 Years | ₹3.6 Crore |
| 30 Years | ₹6.7 Crore |
| 33 Years | ₹11+ Crore |
👉 Iska matlab hai ki ₹20,000/month SIP se ₹11 crore ka corpus approx. 33 saal me ban sakta hai agar aapko 12% ka average annual return milta hai.
✅ Agar Return 15% Annual Ho To
Higher return par same SIP se corpus jaldi ban sakta hai:
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At 15% Return:
Approx. 28-29 years me ₹11 crore cross ho jayega.
✅ SIP Calculator Formula
SIP calculation formula:
FV = P × [(1 + r)^n - 1] × (1 + r)/r
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P: Monthly Investment (₹20,000)
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r: Monthly Interest Rate (12% annual = 1% monthly)
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n: Number of Months
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FV: Future Value (Corpus)
✅ Conclusion
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₹20,000 monthly invest karke ₹11 crore banana possible hai, but patience & consistency chahiye.
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33 years tak 12% return par ₹11 crore possible hai.
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Agar aapko high return funds milte hain ya SIP amount badhate ho to yeh target jaldi achieve ho sakta hai.
✅ Bonus Tip
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SIP amount ko har year 10% se badhaye (Step-up SIP).
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Large-cap, Flexi-cap & Mid-cap mutual funds ka mix rakhe.
Long term me compounding ka magic kaam karega.
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