Know How To Build ₹10 Lakh Fund with ₹100 SIP

₹10 Lakh Fund with ₹100 SIP:

Saving money is the first step toward financial freedom. However, many people believe they need a big amount to start investing. That’s not true. Even a small investment of ₹100 per month in a Mutual Fund SIP (Systematic Investment Plan) can help you build a strong financial future if you stay consistent and patient.

₹10 Lakh Fund with ₹100 SIP:

If you invest ₹100 every month for 25 years, your total investment will be ₹30,000. Assuming an average return of 12% per year, the value of your investment can grow to ₹1.89 lakh. That’s a profit of ₹1.59 lakh without any extra effort. This shows the power of compounding — the longer you stay invested, the greater your returns will be.

Now, if your goal is to build a ₹10 lakh fund, you’ll need to continue this ₹100 SIP for about 47 years at a 12% return rate. But you can reach that goal faster using a Top-Up SIP — this means you increase your SIP amount by 10% every year. For example, start with ₹100 this year, then invest ₹110 next year, ₹121 the following year, and so on. Over time, this small increase can make a big difference.

The longer your money stays invested, the better it works for you. Equity mutual funds, especially, can offer returns up to 15–20% in the long run. This makes them one of the best options for growing wealth with minimal risk.

In simple words, even a small step today can lead to big results tomorrow. All it takes is discipline, consistency, and patience.

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