From Rs 6,500 SIP to Rs 1 crore: Can this investor reach his goal in 10 years?

That’s exactly what Pushkar Singh, a young investor and viewer of The Money Show on ETNow, wanted to know. He’s been investing regularly for a year now, building a portfolio across diverse mutual funds, and is planning to add Rs 4,000 more to his monthly SIPs.

His dream: to accumulate Rs 75 lakh to Rs 1 crore in a decade.

Pushkar’s current SIP amount is Rs 6,500/month, and with the additional Rs 4,000, his total monthly investment would go up to Rs 10,500. His portfolio includes some well-known funds:

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SBI Index Fund

SBI Contra Fund

Nippon India Smallcap Fund

Nifty Smallcap 250 Index Fund

Motilal Oswal Midcap Fund

Parag Parikh Flexicap Fund

But the big question is: Will this be enough to hit Rs 1 crore in 10 years?

Here’s What the Wealth Expert Says

Responding to the query on the ETNow show, Pankaj Mathpal, Managing Director of Optima Money Managers, offered a reality check.

“At Rs 10,500 a month with an assumed 12% annual return, Pushkar would end up with around Rs 23 lakh—not Rs 1 crore. There’s a significant shortfall,” he explained.

In simple terms, the math doesn’t add up. To reach a Rs 1 crore corpus in 10 years, Pushkar needs to invest around Rs 30,000/month, assuming the same 12% CAGR.

However, there’s a smarter way to reach that number: by starting with Rs 30,000/month and stepping it up by 10% every year, he can reasonably expect to hit the Rs 1 crore mark by the end of the decade.

The Good News: Fund Choices Are Spot-On

Mathpal emphasized that Pushkar is already on the right track in terms of fund selection.

“All the funds in his portfolio are good, well-diversified, and suited for long-term growth,” he said.

So, where should the additional Rs 4,000 go?

Instead of hunting for new options, Mathpal advised increasing SIPs in the existing schemes—specifically:

Parag Parikh Flexicap Fund

SBI Contra Fund

SBI S&P BSE Sensex Index Fund

These funds offer a mix of active, value-oriented, and passive strategies, helping Pushkar maintain a balanced risk-return profile.

What Should Investors Do?

Pushkar’s question is a wake-up call for many investors who may be underestimating the power—and requirement—of compounding over time.

A Rs 1 crore goal in 10 years is ambitious—but absolutely achievable with the right plan and commitment. Pushkar’s portfolio is solid, and his intent is in the right place. Now, it’s just a matter of scaling up and staying consistent.

So, if you’re planning your financial journey, ask yourself: Are you investing enough to meet your goals, or just investing what’s convenient?

Because as Pankaj Mathpal rightly points out:

“The difference between Rs 23 lakh and Rs 1 crore is not the market. It’s your monthly SIP.”

(Disclaimer: Recommendations, suggestions, views, and opinions given by experts are their own. These do not represent the views of the Economic Times)