How much SIP is needed for ₹2 crore in 25 years?

At an assumed 12% annual return, a flat SIP of about ₹10,539 per month reaches ₹2 crore in 25 years. At a conservative 10% you need ₹14,949, and at 15% about ₹6,090 — the full table above shows flat and step-up variants.

How much SIP for ₹2 crore in 25 years?

About ₹10,539 a month flat at 12% (₹14,900 at 10%, ₹6,100 at 15%), or a step-up SIP starting near ₹4,700 with 10% annual increases. Total contribution at 12% is only ~₹32 lakh — compounding supplies over ₹1.68 crore.

Should a child's education corpus be in equity funds?

For the first 15+ years of a 25-year horizon, predominantly yes — no other accessible asset class has comparably beaten education inflation. The discipline is the exit: glide into debt over the final 3–4 years before the fee dates, because a fixed-date goal can't ride out a crash the way retirement can.

SIP for ₹2 Crore in 25 Years: ₹10,539/month at 12%

⚠️ Not financial advice. Figures are estimates from the stated assumptions and should not be the basis for any investment, tax, or financial decision. Consult a qualified financial adviser or chartered accountant.

₹2 crore in 25 years is the new-parent plan: started the year a child is born, maturing right around their higher education or your own mid-fifties. At about ₹10,500 a month it's deliberately unheroic — which is exactly why it works. The numbers:

The required monthly SIP, scenario by scenario

Assumed annual return	Flat monthly SIP	Step-up SIP (start, +10%/yr)
10%	₹14,949/mo	₹6,138/mo to start
12%	₹10,539/mo	₹4,725/mo to start
15%	₹6,090/mo	₹3,077/mo to start

At the commonly assumed 12% annual return, reaching ₹2 crore in 25 years takes a flat SIP of ₹10,539 per month — or you can start at ₹4,725 per month and raise it 10% each year as your income grows. Total invested differs, but the step-up route matches how salaries actually rise.

Assumptions: returns compound monthly at the stated annual rate, contributions at month-start, step-up applied once a year. Mutual fund returns are market-linked and not guaranteed.

₹10,539 a month for a 6× multiple

Across 300 instalments you contribute about ₹32 lakh; compounding turns it into ₹2 crore — better than a six-fold multiple on money invested, the long-runway advantage in full. The step-up route starts at just ₹4,725 a month. For a household in the ₹10–15 LPA band (see our salary guide), this fits alongside rent and EMIs without strain, which is precisely what a 25-year commitment requires.

A child-corpus needs a date discipline, not just an amount

If this corpus has a name on it — college at 18, a wedding, a house deposit — the glide path matters more than for open-ended wealth: education costs arrive on a fixed date and won't wait out a bear market. Standard structure: full equity for the first 18–20 years, then 25–30% a year into debt as the date approaches. And keep the corpus in your name, not a minor's — control, taxation, and flexibility all argue for it.

What ₹2 crore means in 2051

At 5% inflation, ₹2 crore then is roughly ₹59 lakh of today's purchasing power — which happens to be a sensible estimate for a premium Indian education or a solid house deposit in real terms. If the goal is bigger in today's rupees, the 10% annual step-up shown above closes most of the gap; a fixed-date goal that needs certainty should also simply target a larger nominal number from the start.