SIP wealth journey
The ₹1 Crore SIP Race
If you had been investing ₹20,000/month in these funds for the last 10 years, here's who got you to ₹1 crore — and which funds are on track to get there next.
On track
Funds tracking to ₹1 Cr (extrapolated)
A ₹20,000/month SIP didn't quite hit ₹1 Cr in the last 10 years, but at the fund's observed 10-year XIRR these are the number of years it would take to get there in total.
How the math works
For each fund, we simulate a real ₹10,000 SIP starting every month for the last 10 years. Each instalment buys units at that day's NAV. At the end of 10 years the fund value = accumulated units × today's NAV. XIRR is the annualised internal rate of return on the resulting cash flow.
"Years to ₹1 Cr" extrapolates from this XIRR using the standard annuity-due future value formula —
solving FV = P × [((1+r)n−1) / r] × (1+r) = ₹1 Cr for n, with r =
monthly XIRR and P = ₹10k. This assumes the historical 10Y XIRR holds going forward, which is
a strong assumption — see disclaimer below.
What this list is not
- Not a forecast. A fund that reached ₹1 Cr in the past 10 years may not in the next 10. Markets change. Look at the consistency badge alongside the trailing CAGR.
- Not survivorship-bias-free. Funds that closed or merged are not included. The ones you see are the survivors.
- Excludes taxes and exit load. Real-world post-tax returns are typically 10-15% lower than gross XIRR for equity SIPs.
Cross-reference with the most-consistent list and the drawdowns list to balance the optimism. See our disclosures for the full picture.