How to go from Rs 1 cr to Rs 5 cr in 14 years, with zero SIP

The title of this article might sound absurd. Make crores without investing anything more? But hear us out. This isn't clickbait - it's a mathematical reality. The journey to the first crore is one of the toughest financial mountains most people will ever climb. Let's read the story of Suman. The long road to first crore Suman started her investment journey at 25. Disciplined and forward-thinking, she invested Rs 10,000 every month through SIPs religiously, without fail. Even with 12 per cent annual returns (a reasonable expectation from a good equity portfolio), it took her 20 years to reach Rs 1 crore. That's over two decades of patience and resisting countless temptations to dip into investments. Even at higher monthly investments, it would have taken her a decade-plus of dedicated investing. Monthly investment Time taken to Rs 1 crore Rs 10,000 20 years Rs 20,000 15 years Rs 30,000 12 years Rate of return assumed is 12 per cent. Life happened, but the money kept growing By the time Suman reached her first crore, life looked dramatically different. In her mid-40s, life has thrown new financial curveballs - a hefty home loan EMI, her child's rising education fees and ageing parents who needed support. With these rising expenses and

This article was originally published on February 28, 2025.