About One Crore SIP

At One Crore SIP, our mission is simple: to help every Indian achieve one crore in liquid wealth through systematic investment plans (SIPs). Whether you invest in stocks, ETFs, mutual funds or metals, we are with you on this journey, providing the tools and insights you need to succeed.

Why One Crore?

For many Indians, one crore is not just a goal - it’s a dream. It represents the first real step toward financial freedom and security. Once you reach your first crore, the path to ₹10 crore or even ₹100 crore becomes much smoother, driven by the power of compounding. The real wealth-building begins after the first crore, where every rupee works harder for you, opening doors to limitless financial possibilities.

Popular Calculators

SIP Calculator

Calculate how much you need to save or how much you will accumulate with your SIP

Lumpsum Calculator with Inflation

Calculate lumpsum investment returns with inflation-adjusted values

Step Up SIP Calculator

Calculate SIP returns with annual step-up increase

SWP Calculator

Calculate your final amount with Systematic Withdrawal Plans (SWP)

Retirement Corpus Calculator

Calculate the corpus needed for your retirement goals

Target Amount SIP Calculator

Calculate SIP required to achieve a target amount

Compound Interest Calculator

Calculate compound interest on your investment

Inflation Calculator

Calculate the future value of money considering inflation

How to Make Your First One Crore with SIP: Investment Strategies for Wealth Growth

Reaching ₹1 crore is a major financial milestone, and the key to achieving it lies in disciplined investing, patience, and the power of compounding. Whether you are an aggressive investor or someone who prefers stable returns, there are multiple pathways to building wealth. Below is a breakdown of different investment options categorized by risk and potential returns.

High-Risk, High-Return Investments

Best suited for investors who are willing to take on significant risk in pursuit of higher rewards.

  • SIP in Stocks – Very High Risk, Highest Growth Potential

    • Investing in individual stocks of high-growth companies can generate significant long-term wealth.
    • Stock markets have historically delivered 12 to 15 percent annualized returns over long periods.
    • Volatility is high, requiring a strong risk appetite and knowledge of the market.
    • Example: ₹10,000 per month invested in stocks with a 12% return can grow to ₹1 crore in approximately 20 years.
    • Risk Mitigation: Diversify across sectors and industries to reduce risks.

Moderate-Risk, Balanced Growth Investments

These options provide a balance between risk and reward, making them ideal for long-term investors seeking stability.

  • SIP in Diversified Mutual Funds – Moderate Risk

    • Invests in a mix of large-cap, mid-cap, and small-cap stocks to balance risk.
    • Managed by professional fund managers, reducing the effort required from individual investors.
    • Example: ₹11,446 per month in a balanced equity mutual fund with a 11% return can take around 20 years to reach ₹1 crore.
    • Risk Mitigation: Opt for funds with a strong historical track record and invest for the long term.

  • SIP in ETFs – Moderate Risk

    • Exchange-traded funds track indices like NIFTY 50 or Sensex, providing market returns with lower costs.
    • Less risky than individual stock investing but still subject to market fluctuations.
    • Example: ₹13,060 per month in an ETF with a 10% return can grow to ₹1 crore in about 20 years.
    • Risk Mitigation: Choose broad-based ETFs instead of sectoral ETFs for reduced risk.

Low-Risk, Stable Return Investments

These options are best for conservative investors who prioritize capital protection over aggressive growth.

  • SIP in Bonds – Low Risk, Fixed Returns

    • Includes government and corporate bonds that offer predictable but lower returns.
    • Less volatile than equity markets but may not beat inflation in the long run.
    • Example: ₹12,273 per month in bonds with a 7% return can take around 25 years to reach ₹1 crore.
    • Risk Mitigation: Consider a mix of high-rated corporate and government bonds for better security.

  • Fixed Deposits and Recurring Deposits – Very Low Risk

    • Provides guaranteed but lower returns, typically between 5 to 7 percent.
    • Best suited for preserving capital rather than wealth creation.
    • Example: ₹14,358 per month in an FD at 6% return can take around 25 years to reach ₹1 crore.
    • Risk Mitigation: Use FDs for emergency funds rather than long-term wealth building.

  • SIP in Gold – Moderate Risk, Safe-Haven Asset

    • Gold investments include Gold ETFs, Sovereign Gold Bonds, and digital gold.
    • Acts as a hedge against inflation and economic downturns.
    • Gold has historically delivered 7 to 9 percent annual returns.
    • Example: ₹16,865 per month in Gold ETFs with an 8% return can take around 20 years to reach ₹1 crore.
    • Risk Mitigation: Avoid allocating a large portion of your portfolio to gold; use it for diversification.

Key Strategies to Reach ₹1 Crore Faster

  • Start Early: The earlier you begin, the more you benefit from compounding.
  • Invest Consistently: Stick to a disciplined SIP approach and avoid panic-selling during market downturns.
  • Diversify Wisely: Spread investments across different asset classes to balance risk and returns.
  • Step Up SIP Over Time: Gradually increase your SIP amount as your income grows to accelerate wealth accumulation.
  • Reinvest Returns: Reinvesting dividends and capital gains can significantly speed up the process.

Final Thought: Reaching ₹1 crore is an achievable goal if you plan wisely and stay committed. The key is to choose an investment path that aligns with your risk appetite and financial goals. Whether you prefer high-risk stocks or stable bonds, consistency and patience will be your greatest allies on this journey.

Disclaimer: Investments are subject to market risks. Returns are not guaranteed, and past performance does not indicate future results. Please consult a financial advisor before making any investment decisions.