₹1 crore in 10 years: Possible. Retiring on it? Impossible.

Summary: Chasing a crore in 10 years sounds exciting and is very much possible. We show you how. However, will the crore actually carry you through retirement? We crunch the numbers to show what it really takes, why your money may run out sooner than you think, and smarter ways to build true financial independence. For many Indian savers, ‘One Crore’ is a magical number. It feels like the holy grail of wealth building. The kind of target that, once achieved, lets you hang up your boots, move to the hills and live life on your terms. And honestly, reaching that figure is not as tough for several semi-high earners if you have a 10-year horizon. Here’s why: if you invest Rs 36,000 every month through an SIP in equity mutual funds and increase that amount by 5 per cent each year, you could reach Rs 1 crore in just 10 years, assuming your investments grow at 12 per cent annually. For those unaware, SIPs are simply the best way for a salaried person to

This article was originally published on August 25, 2025.