SIP Calculator: If you get hold of this formula, you've hit the jackpot! The 20X15X25 rule will yield a full ₹5 crore..

If you're thinking of making money from your money, it's crucial to have a proper investment plan. Without a proper plan, investing isn't as effective. Meanwhile, Systematic Investment Plans (SIPs) have become the easiest and most effective way to build a strong corpus over the long term. Yes, with SIPs, you can build a corpus of ₹5 crore (50 million rupees) or more in 25 years. To do this, you simply need to start investing at the right time and follow a simple formula known as the 20+15+25 formula.

The biggest benefit of SIP investing is compounding. The earlier you start investing, the more your money will compound and grow. For example, if you're 25 years old and invest until you're 50, you could easily become a millionaire through SIPs. This long-term investment strengthens your financial future and provides financial security after retirement.

Investing through SIPs is extremely simple. You invest a fixed amount every month, and your funds grow over time. If you start investing ₹20,000 per month in a SIP at the age of 25 and assume an annual return of approximately 15%, your funds could reach approximately ₹5.5 crore in 25 years. You must make this investment regularly over 25 years and should not stop at any time.

Your total investment in this plan will be approximately ₹60 lakh, with a wealth gain of ₹4.9 crore. This is the magic of SIPs, which transform even small investments into substantial wealth over the long term.

If your goal is to become a millionaire, you must choose the right SIP plan. A person starting a SIP at the age of 25 can earn excellent returns by the age of 50. This investment not only provides future security but also helps achieve financial goals. With proper planning, regular investments, and the right use of compounding, you can easily build a corpus of ₹5 crore or more in 25 years.

Invest ₹20,000 per month.

Take an estimated return of 15% annually.

Continue investing consistently for 25 years.

According to this formula, your investment amount will be ₹6,000,000, and the return will reach ₹4,913,1216. After 25 years, the total corpus will be approximately ₹5,5,13,12,16. This means you can build a corpus of over ₹5 crore in 25 years.

This shows that with the right investment plan, the right timing, and the right funds, your money can grow exponentially over the long term. This SIP formula is extremely beneficial for long-term investors.

Duration SIP Amount (₹) Future Value (₹)
25 years 20000 5.5 Crores
1 year 20000 2.6 Lakhs
2 years 20000 5.6 Lakhs

3 years 20000 9 Lakhs
4 years 20000 12.9 Lakhs
5 years 20000 17.5 Lakhs
8 years 20000 35.6 Lakhs
10 years 20000 52.6 Lakhs
12 years 20000 75.1 Lakhs
15 years 20000 1.2 Crores
18 years 20000 2 Crores
20 years 20000 2.7 Crores
21 years 20000 3.1 Crores
22 years 20000 3.6 Crores
23 years 20,000 4.1 Crores
24 years 20,000 4.8 Crores
25 years 20,000 5.5 Crores
26 years 20,000 6.4 Crores
27 years 20,000 7.3 Crores
28 years 20,000 8.5 Crores
29 years 20,000 9.8 Crores
30 years 20,000 11.3 Crores
32 years 20,000 15 Crores
35 years 20,000 22.8 Crores

Significant wealth can be created even with small amounts through SIP investing. By adopting the 20+15+25 formula, you can build a corpus of ₹5 crore or more in 25 years. Regular investment, patience, and proper use of compounding will secure your financial future. Remember, “The earlier you invest, the greater the return.” If you start a SIP today, your corpus will be even stronger tomorrow. With an investment of ₹20,000 per month and the right fund selection, building a corpus worth lakhs or even crores in 25 years is no longer a dream, but a reality.

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