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Updated: July 12, 2025 22:32
The SIP Route to a Crorepati Future
For Indian investors dreaming of a ₹1 crore corpus by 2040, Systematic Investment Plans (SIPs) in top-performing mutual funds offer a disciplined, low-stress path to wealth. With the right fund choices and a long-term approach, even modest monthly investments can snowball into a fortune, thanks to the power of compounding and market growth.
Key Highlights
SIPs in equity mutual funds have historically delivered strong long-term returns, making them ideal for wealth creation.
Starting early and staying invested for 15 years or more maximizes the compounding effect.
Diversifying across fund categories—large & mid cap, small cap, and thematic—helps balance risk and reward.
Top 3 SIPs for Crorepati Ambitions
Canara Robeco Large & Mid Cap Fund
Five-year annualized return: 24.3%
Three-year annualized return: 20.9%
This fund invests in a blend of large and mid-cap stocks, offering both stability and growth potential. A ₹10,000 monthly SIP in this fund, maintained over 15–20 years, has the potential to cross the ₹1 crore mark, assuming historical returns persist.
Bandhan Small Cap Fund
Five-year annualized return: 35.95%
Three-year annualized return: 34.67%
Focused on high-growth small-cap companies, this fund is suitable for investors with a higher risk appetite. Its aggressive strategy has delivered exceptional returns, making it a strong contender for long-term wealth creation.
ICICI Prudential Manufacturing Fund
Five-year annualized return: 30.43%
Three-year annualized return: 30.14%
This thematic fund taps into India’s manufacturing boom, offering robust returns for those willing to ride sectoral trends. A consistent SIP here can help investors reach their crorepati goal, especially if the sector continues to outperform.
How Much to Invest?
A monthly SIP of ₹10,000–₹12,000 in these funds, with an expected annualized return of 12–15%, can help you reach ₹1 crore by 2040.
Increasing your SIP amount annually or during market dips can further accelerate your journey.
Tips for SIP Success
Review your portfolio annually and rebalance if needed.
Stay invested through market cycles; avoid reacting to short-term volatility.
Diversify across fund types to manage risk.
The Bottom Line
With a disciplined SIP strategy and the right fund selection, your weekend wealth plan can set you firmly on the path to becoming a crorepati by 2040. Start early, stay consistent, and let compounding work its magic.
Sources: Economic Times, Moneycontrol, Groww, Paytm Money, Bandhan Mutual Fund, ICICI Prudential Mutual Fund, The Economic Times, Mysiponline
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