How to make Rs 50 lakh corpus in 5 years: Let’s be honest, Rs 50 lakh in 5 years sounds like a dream. But if you’re willing to be consistent, take some calculated risks, and stay invested, it might not be as out of reach as it seems.
One popular way to go about this is through a Systematic Investment Plan, or SIP. The idea is simple: invest a fixed amount every month in mutual funds and let the power of compounding do the rest.
So how much do you need to invest?
If you’re targeting Rs 50 lakh in 5 years and expect to earn about 12 per cent annually, you’d need to invest around Rs 61,000 every month. That adds up to Rs 36.6 lakh over 5 years — and the rest, roughly Rs 13.4 lakh, comes from returns.
Yes, that’s a big monthly commitment, especially if you’re starting out. But there’s a way to ease into it.
Try a step-up SIP if Rs 61K/month feels too much
Don’t have 61,000 lying around each month? That’s okay. You could start with something more manageable — say, ₹50,000 per month — and increase it by 10–15 per cent every year as your income grows.
Here’s how that could look:
Start with Rs 50,000 per month
Next year: increase to Rs 57,500
Then Rs 66,000, and so on…
By year five, you’re putting in close to Rs 87,000/month — but gradually. With a return of around 15 per cent annually, this could still take you to that Rs 50 lakh mark.
A few things to remember
Stick to equity mutual funds if you want higher returns, but be aware of the risks.
SIPs work best when you stay the course; no matter how the market moves.
Increasing your SIP amount yearly gives your investments that extra boost.
So, Rs 50 lakh in 5 years isn’t magic — it’s math, discipline, and patience. If you stay committed and adjust your SIP over time, there’s a good chance you’ll get there. Just don’t expect overnight results.
This is for general awareness, not investment advice. Talk to your financial advisor before making any big decisions.