Yet to invest at 30? How SIPs can still make you a crorepati

Summary: You may have missed investing in your 20s, but that doesn’t mean you have missed your chance to build meaningful wealth now. Consistent SIPs can still make you a crorepati. Read on to see what it would take and how to plan without straining your finances. By the time many people turn 30, investing has already acquired an uncomfortable moral tone. Start early. Miss those early years and you’ve somehow failed a basic test of financial adulthood. But life, inconveniently, doesn’t follow neat financial timelines. Careers take time to settle. Salaries grow slowly. And for many, investing simply doesn’t make it to the top of the to-do list in their 20s. Some don’t know where to begin. Others hesitate, worried about market losses or bad decisions. So if you’re starting just now in your 30s, you may inevitably think whether it is already too late to aim for something meaningful, say, Rs 1 crore? And if it is possible, can it be done by the time you enter your 40s in about a decade? Is reaching Rs 1 crore in just 10 years really possible? It’s possible, but it’s a tall order. You would need to invest roughly Rs 45,000 every month in mutual funds through a systematic investment plan (SIP) for this investment to grow into Rs 1 crore, assuming your money will earn around 12 per cent annually. This is not an unrealistic return assumption. Over long periods, diversified equity mutual funds like large-cap funds have delivered returns i

This article was originally published on January 22, 2026.