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SIP: How To Build A Rs 5 Crore Corpus By Investing Just Rs 4,500 Monthly?

In New Year 2025, young investors are looking for the fresh investment opportunities. This article will help young investors determine the best Systematic Investment Plan strategy for their needs.

A Systematic Investment Plan (SIP) is a simple way to regularly invest a fixed amount in mutual funds, promoting disciplined investing. SIP is gaining popularity among young investors with each passing day. SIPs are gaining immense popularity as a growing number of young investors choose this investment option.

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Furthermore, a Systematic Investment Plan offers a flexible and recurring investment option in Mutual Funds. With a SIP, you can:

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  • Invest a fixed amount at regular intervals (weekly, monthly, or quarterly).
    Adjust investment amount anytime based on your financial situation.
    Your investment amount will be auto-debit from your bank account.
    You will get corresponding units of your chosen mutual fund.

In New Year 2025, young investors are looking for the fresh investment opportunities. This article will help young investors determine the best Systematic Investment Plan strategy for their needs. We will find out a way by which youngsters can make a corpus of over Rs 5 crores by just investing Rs 4,500 monthly for 40 years.

SIP For 40 Years

Using a projected annual return rate of 12%, we will conduct am analysis of the SIP which can give superior returns.

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Rs 4,500/Month For 40 Years

  • Monthly Investment: Rs 4,500
  • Time Period: 40 years or 480 months
  • Expected Annual Return Rate: 12%
  • Total Invested Amount: Rs 21.60 lakh
  • Estimated Return: Rs 5,13,10,891
  • Total Amount At Maturity: Rs 5,34,70,891

(This is the data based on SIP calculator)

How Does This Calculator Works?

The calculation for a SIP plan is based on the following formula:

M = P × ({[1 + i]^n – 1} / i) × (1 + i).

  • M = Amount you receive upon maturity.
  • P = Amount you invest at regular intervals.
  • N = Number of payments you have made.
  • I = Periodic rate of interest.

(Disclaimer: This article is for informational purposes only and should not be construed as an investment advice. Prior to making an investment or taking a loan, conduct thorough research and consult with your financial advisor.)

ALSO READ: SIP Strategy: Rs 2,500/Month For 30 Years Or Rs 25,000/Month For 10 Years – Which Is Better Investment?

ABOUT THE AUTHOR

Akshat Mittal

Akshat Mittal

Akshat Mittal is a journalist with over 6 years of experience, focusing on business, technology, and the auto industry. He has covered key developments in these areas, helping readers stay up-to-date with the latest trends. Akshat holds a degree in Journalism from NIU and has worked with well-known media outlets like Inshorts and Legacy India Magazine. Before joining News24, he wrote business and political stories for several newspapers and magazines, contributing editorial and analytical pieces. At News24, all of Akshat’s articles go through a thorough fact-checking process to ensure accuracy. His commitment to delivering reliable information has made him a trusted source for readers. Outside of work, Akshat enjoys reading, writing, traveling, and following the latest in cars. You can connect with him on Twitter (@mittalakshat1) for updates or on LinkedIn for professional conversations.

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First published on: Jan 03, 2025 11:03 AM IST


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