+91-22-48913909How to Get ₹10 Crore Through Mutual Fund SIP
For many investors in India, building a corpus of ₹10 crore is considered a major financial milestone.
Whether your goal is Retirement planning, achieving financial freedom, creating a legacy for your family, or funding future aspirations, systematic Investing through Mutual Funds can help you reach this target over the long term.
One of the most effective ways to build wealth is through a SIP (Systematic Investment plan). SIPs allow investors to invest a fixed amount regularly, benefit from rupee cost averaging, and harness the Power of Compounding over time.
Equity Mutual Funds have historically delivered attractive long-term returns compared to many traditional investment options. While returns are never guaranteed, disciplined investing over a long period can significantly increase the probability of achieving large Financial goals.
Before calculating how much SIP is required to build ₹10 crore, it is important to understand that the actual amount depends on three key factors:
- Investment duration
- Expected rate of return
- Annual increase in investments (Step-Up SIP)
Let's see how much SIP may be required under different scenarios.
How Much SIP is Required to Build ₹10 Crore?
The table below illustrates the approximate monthly SIP required to accumulate ₹10 crore at different return assumptions.
| Investment Period | 10% Return | 12% Return | 14% Return |
|---|---|---|---|
| 10 Years | ₹4.96 Lakh | ₹4.46 Lakh | ₹3.80 Lakh |
| 15 Years | ₹2.48 Lakh | ₹2.10 Lakh | ₹1.76 Lakh |
| 20 Years | ₹1.38 Lakh | ₹1.08 Lakh | ₹85,218 |
| 25 Years | ₹80,441 | ₹58,748 | ₹42,651 |
| 30 Years | ₹48,094 | ₹32,458 | ₹21,741 |
As evident, time plays a crucial role in wealth creation. The longer you stay invested, the lower the monthly investment required to achieve the same financial goal.
The Power of Compounding
Compounding is often called the eighth wonder of the world. It allows your investment returns to generate further returns over time.
For example:
- Investor A starts investing for 30 years.
- Investor B starts investing for 15 years.
Even if Investor A invests significantly less every month, the power of compounding can help generate a similar or even larger corpus over the long term. This is why starting early is often more important than investing a larger amount later.
Is ₹10 Crore Enough in the Future?
Many investors set a target of ₹10 crore without considering inflation.
Inflation gradually reduces the purchasing power of money over time. A corpus that appears large today may not have the same value after 20 or 30 years.
The table below illustrates how inflation impacts the future value of money.
| Inflation Rate | Equivalent Future Requirement After 20 Years |
|---|---|
| 5% | ₹26.5 Crore |
| 6% | ₹32 Crore |
| 7% | ₹38.7 Crore |
This means that ₹10 crore after 20 years may provide purchasing power similar to only ₹3–4 crore today. Investors should therefore periodically review their financial goals and increase investments accordingly.
Talk to our investment specialist
How to Get 10 Crore in 20 Years
Start Investing Via Mutual Funds SIP of Rs. 76,000 Per Month
If you can spare Rs. 76,000 every month, start an SIP immediately in equity mutual funds. If you need help with selecting schemes, you can check our recommended equity mutual fund portfolios and pick a Portfolio based on your risk appetite and SIP amount.
If your mutual fund portfolio delivers an annualised return of 14%, a monthly SIP of ₹76,000 could potentially grow into a corpus of approximately ₹10 crore over 20 years. The illustration below is based on historical return assumptions and is intended for educational purposes only. Actual returns may vary depending on market conditions and fund performance.
Key Assumption based on historical returns are as below:
| Assumptions | Data |
|---|---|
| Growth Rate | 14% |
| Inflation | Not Included In Calculation* |
| Investment Amount (pm) | 76,000 |
| Time Period | 20 years |
| Amount Invested | 1,82,40,000 |
| Total Corpus | 10,00,42,317 |
| Net Gains | 8,18,02,317 |
*Note: Inflation has not been considered in the above illustration. The future purchasing power of ₹10 crore may be significantly lower after 20 years due to inflation. Investors should review their financial goals periodically and adjust SIP amounts accordingly.
More details can be worked our using our sip calculator by clicking on button below-
How to Get 10 Crore in 15 Years
Start Investing Via Mutual Funds SIP of Rs. 1,63,200 Per Month
If you can spare Rs 1,63,200 every month, start an SIP immediately in equity mutual funds. If you need help with selecting schemes, you can check our recommended equity mutual fund portfolios and pick a portfolio based on your risk appetite and SIP amount. If your portfolio of mutual funds manages to offer an annual return of 14 per cent (Which is lower than CAGR offered by BSE Sensex since inception in 1979), you would be able to create a corpus of Rs 10 crore in 15 years as show below.
Key Assumption based on historical returns are as below-
| Assumptions | Data |
|---|---|
| Growth Rate | 14% |
| Inflation | Not Factored |
| Investment Amount (pm) | 1,63,200 |
| Time Period | 15 years |
| Amount Invested | 2,93,76,000 |
| Total Corpus | 10,00,17,737 |
| Net Gains | 7,06,41,737 |
More details can be worked our using our SIP calculator by clicking on button below-
How to Get 10 Crore in 10 Years
Start Investing Via Mutual Funds SIP of Rs. 3,81,600 Per Month
If you can spare Rs 3,81,600 every month, start an SIP immediately in equity mutual funds. If you need help with selecting schemes, you can check our recommended equity mutual fund portfolios and pick a portfolio based on your risk appetite and SIP amount. If your portfolio of mutual funds manages to offer an annual return of 14 per cent (Which is lower than CAGR offered by BSE SENSEX since inception in 1979), you would be able to create a corpus of Rs 10 crore in 10 years as show below.
Key Assumption based on historical returns are as below-
| Assumptions | Data |
|---|---|
| Growth Rate | 14% |
| Inflation | Not Factored |
| Investment Amount (pm) | 3,81,600 |
| Time Period | 10 years |
| Amount Invested | 4,57,92,000 |
| Total Corpus | 10,00,14,072 |
| Net Gains | 5,42,22,072 |
More details can be worked our using our SIP calculator by clicking on button below-
Fund Selection Methodology used to find 10 funds
Can You Build ₹10 Crore Using a Step-Up SIP?
Many investors may find it difficult to invest ₹76,000 or more every month.
Fortunately, there is an alternative.
A Step-Up SIP allows investors to increase their SIP amount every year, usually in line with salary increments.
For example:
- Starting SIP: ₹20,000 per month
- Annual SIP Increase: 10%
- Investment Period: 30 Years
- Expected Return: 14%
In such a scenario, the final corpus can potentially exceed ₹10 crore.
A Step-Up SIP is often one of the most practical ways to achieve large financial goals without putting excessive pressure on current income.
Example of Building ₹10 Crore Through SIP
Consider the example of Rahul, aged 30.
- Monthly SIP: ₹25,000
- Annual SIP Increase: 10%
- Investment Period: 30 Years
- Expected Return: 14%
By the age of 60, Rahul's disciplined investing approach could potentially help him build a corpus exceeding ₹10 crore.
The example highlights an important lesson - Building wealth is not necessarily about investing huge amounts from day one. Consistency and patience often matter more than the initial investment size.
Should You Invest Only in Equity Mutual Funds?
For long-term goals exceeding 15 years, equity mutual funds are generally preferred because of their growth potential. However, investors should also consider diversification.
A balanced Asset Allocation may look like:
- 70–90% Equity Mutual Funds
- 10–30% Debt Mutual Funds
As investors approach their target date, gradually shifting a portion of the corpus towards debt funds may help reduce market Volatility and protect accumulated wealth.
Can ₹10 Crore Be Enough for Retirement?
A retirement corpus of ₹10 crore can potentially generate substantial income.
For example:
- Corpus: ₹10 Crore
- Withdrawal Rate: 4% per year
Annual Income = ₹40 Lakh Monthly Income = Approximately ₹3.3 Lakh
However, retirement requirements vary depending on:
- Lifestyle expectations
- Inflation
- Healthcare expenses
- Family responsibilities
- Retirement age
Therefore, investors should calculate their retirement corpus based on individual financial needs rather than relying on a generic target.
Fund Selection Methodology used to find 10 funds
Top 10 Performing Mutual Funds
*List of funds based on "The primary investment objective of the Scheme is to seek capital appreciation by investing predominantly in units of MLIIF - WGF. The Scheme may, at the discretion of the Investment Manager, also invest in the units of other similar overseas mutual fund schemes, which may constitute a significant part of its corpus. The Scheme may also invest a certain portion of its corpus in money market securities and/or units of money market/liquid schemes of DSP Merrill Lynch Mutual Fund, in order to meet liquidity requirements from time to time. However, there is no assurance that the investment objective of the Scheme will be realized." Below is the key information for DSP World Gold Fund Returns up to 1 year are on The objective of the scheme would be to provide investors with opportunities for long-term growth in capital along with the liquidity of an open-ended scheme through an active management of investments in a diversified basket of equity stocks of domestic Public Sector Undertakings and in debt and money market instruments issued by PSUs AND others. Research Highlights for SBI PSU Fund Below is the key information for SBI PSU Fund Returns up to 1 year are on To generate capital appreciation and income distribution to unit holders by investing predominantly in equity/equity related securities of the companies belonging to the infrastructure development and balance in debt securities and money market instruments. Research Highlights for ICICI Prudential Infrastructure Fund Below is the key information for ICICI Prudential Infrastructure Fund Returns up to 1 year are on The investment objective of the scheme is to provide long term growth from a portfolio of equity / equity related instruments of companies engaged either directly or indirectly in the infrastructure sector. Research Highlights for LIC MF Infrastructure Fund Below is the key information for LIC MF Infrastructure Fund Returns up to 1 year are on To generate capital appreciation, from a portfolio that is substantially constituted of equity securities and equity related securities of corporates, which could benefit from structural changes brought about by continuing liberalization in economic policies by the government and/or continuing investments in infrastructure, both by the public and private sector. Research Highlights for DSP India T.I.G.E.R Fund Below is the key information for DSP India T.I.G.E.R Fund Returns up to 1 year are on (Erstwhile Reliance Diversified Power Sector Fund) The primary investment objective of the scheme is to generate long term capital appreciation by investing predominantly in equity and equity related securities of companies in the power sector. Research Highlights for Nippon India Power and Infra Fund Below is the key information for Nippon India Power and Infra Fund Returns up to 1 year are on The Scheme seeks to generate long term capital appreciation through a portfolio of predominantly equity and equity related securities of companies engaged in manufacturing and infrastructure and related sectors. Further, there can be no assurance that the investment objectives of the scheme will be realized. The Scheme is not providing any assured or guaranteed returns Research Highlights for BOI AXA Manufacturing and Infrastructure Fund Below is the key information for BOI AXA Manufacturing and Infrastructure Fund Returns up to 1 year are on To generate capital appreciation by investing in Equity and Equity Related Instruments of companies where the Central / State Government(s) has majority shareholding or management control or has powers to appoint majority of directors. However, there is no assurance or guarantee that the investment objective of the Scheme will be achieved. The Scheme does not assure or guarantee any returns. Research Highlights for Invesco India PSU Equity Fund Below is the key information for Invesco India PSU Equity Fund Returns up to 1 year are on Investment Objective is “capital appreciation” through investments in stocks of the companies engaged in the transportation and logistics sector. Research Highlights for UTI Transportation & Logistics Fund Below is the key information for UTI Transportation & Logistics Fund Returns up to 1 year are on To seek long-term capital appreciation by investing predominantly in equity and equity related securities of companies engaged in or expected to benefit from growth and development of infrastructure. Research Highlights for HDFC Infrastructure Fund Below is the key information for HDFC Infrastructure Fund Returns up to 1 year are on Assets>= 200 Crore & Sorted on 5 year CAGR Returns.
1. DSP World Gold Fund
DSP World Gold Fund
Growth Launch Date 14 Sep 07 NAV (17 Sep 26) ₹62.5876 ↑ 0.97 (1.57 %) Net Assets (Cr) ₹1,441 on 31 Jul 26 Category Equity - Global AMC DSP BlackRock Invmt Managers Pvt. Ltd. Rating ☆☆☆ Risk High Expense Ratio 1.41 Sharpe Ratio 1.14 Information Ratio -0.56 Alpha Ratio 2.59 Min Investment 1,000 Min SIP Investment 500 Exit Load 0-12 Months (1%),12 Months and above(NIL) Growth of 10,000 investment over the years.
Date Value Returns for DSP World Gold Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 17 Sep 26 Duration Returns 1 Month 4.2% 3 Month 10.2% 6 Month 4.7% 1 Year 56% 3 Year 55.9% 5 Year 30.9% 10 Year 15 Year Since launch 10.1% Historical performance (Yearly) on absolute basis
Year Returns 2024 167.1% 2023 15.9% 2022 7% 2021 -7.7% 2020 -9% 2019 31.4% 2018 35.1% 2017 -10.7% 2016 -4% 2015 52.7% Fund Manager information for DSP World Gold Fund
Name Since Tenure Data below for DSP World Gold Fund as on 31 Jul 26
Equity Sector Allocation
Sector Value Asset Allocation
Asset Class Value Top Securities Holdings / Portfolio
Name Holding Value Quantity 2. SBI PSU Fund
SBI PSU Fund
Growth Launch Date 7 Jul 10 NAV (18 Sep 26) ₹33.6026 ↑ 0.29 (0.88 %) Net Assets (Cr) ₹6,678 on 31 Jul 26 Category Equity - Sectoral AMC SBI Funds Management Private Limited Rating ☆☆ Risk High Expense Ratio 1.89 Sharpe Ratio 0.28 Information Ratio -0.34 Alpha Ratio -0.89 Min Investment 5,000 Min SIP Investment 500 Exit Load 0-1 Years (1%),1 Years and above(NIL) Growth of 10,000 investment over the years.
Date Value Returns for SBI PSU Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 17 Sep 26 Duration Returns 1 Month -2.3% 3 Month -5.4% 6 Month -3% 1 Year 4.4% 3 Year 18.4% 5 Year 21.7% 10 Year 15 Year Since launch 7.8% Historical performance (Yearly) on absolute basis
Year Returns 2024 11.3% 2023 23.5% 2022 54% 2021 29% 2020 32.4% 2019 -10% 2018 6% 2017 -23.8% 2016 21.9% 2015 16.2% Fund Manager information for SBI PSU Fund
Name Since Tenure Data below for SBI PSU Fund as on 31 Jul 26
Equity Sector Allocation
Sector Value Asset Allocation
Asset Class Value Top Securities Holdings / Portfolio
Name Holding Value Quantity 3. ICICI Prudential Infrastructure Fund
ICICI Prudential Infrastructure Fund
Growth Launch Date 31 Aug 05 NAV (18 Sep 26) ₹200.47 ↑ 2.96 (1.50 %) Net Assets (Cr) ₹8,523 on 31 Jul 26 Category Equity - Sectoral AMC ICICI Prudential Asset Management Company Limited Rating ☆☆☆ Risk High Expense Ratio 1.89 Sharpe Ratio 0.04 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 100 Exit Load 0-1 Years (1%),1 Years and above(NIL) Growth of 10,000 investment over the years.
Date Value Returns for ICICI Prudential Infrastructure Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 17 Sep 26 Duration Returns 1 Month -1.7% 3 Month -2.1% 6 Month 7.8% 1 Year 1.6% 3 Year 16.6% 5 Year 20.6% 10 Year 15 Year Since launch 15.3% Historical performance (Yearly) on absolute basis
Year Returns 2024 6.7% 2023 27.4% 2022 44.6% 2021 28.8% 2020 50.1% 2019 3.6% 2018 2.6% 2017 -14% 2016 40.8% 2015 2% Fund Manager information for ICICI Prudential Infrastructure Fund
Name Since Tenure Data below for ICICI Prudential Infrastructure Fund as on 31 Jul 26
Equity Sector Allocation
Sector Value Asset Allocation
Asset Class Value Top Securities Holdings / Portfolio
Name Holding Value Quantity 4. LIC MF Infrastructure Fund
LIC MF Infrastructure Fund
Growth Launch Date 29 Feb 08 NAV (18 Sep 26) ₹54.3765 ↑ 0.69 (1.28 %) Net Assets (Cr) ₹1,145 on 31 Jul 26 Category Equity - Sectoral AMC LIC Mutual Fund Asset Mgmt Co Ltd Rating Risk High Expense Ratio 2.21 Sharpe Ratio 0.28 Information Ratio 0.56 Alpha Ratio 5.37 Min Investment 5,000 Min SIP Investment 1,000 Exit Load 0-1 Years (1%),1 Years and above(NIL) Growth of 10,000 investment over the years.
Date Value Returns for LIC MF Infrastructure Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 17 Sep 26 Duration Returns 1 Month -2.2% 3 Month -0.7% 6 Month 13.2% 1 Year 7.5% 3 Year 22.3% 5 Year 20.4% 10 Year 15 Year Since launch 9.6% Historical performance (Yearly) on absolute basis
Year Returns 2024 -3.7% 2023 47.8% 2022 44.4% 2021 7.9% 2020 46.6% 2019 -0.1% 2018 13.3% 2017 -14.6% 2016 42.2% 2015 -2.2% Fund Manager information for LIC MF Infrastructure Fund
Name Since Tenure Data below for LIC MF Infrastructure Fund as on 31 Jul 26
Equity Sector Allocation
Sector Value Asset Allocation
Asset Class Value Top Securities Holdings / Portfolio
Name Holding Value Quantity 5. DSP India T.I.G.E.R Fund
DSP India T.I.G.E.R Fund
Growth Launch Date 11 Jun 04 NAV (18 Sep 26) ₹358.337 ↑ 3.44 (0.97 %) Net Assets (Cr) ₹6,325 on 31 Jul 26 Category Equity - Sectoral AMC DSP BlackRock Invmt Managers Pvt. Ltd. Rating ☆☆☆☆ Risk High Expense Ratio 1.89 Sharpe Ratio 0.52 Information Ratio 0 Alpha Ratio 0 Min Investment 1,000 Min SIP Investment 500 Exit Load 0-12 Months (1%),12 Months and above(NIL) Growth of 10,000 investment over the years.
Date Value Returns for DSP India T.I.G.E.R Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 17 Sep 26 Duration Returns 1 Month -1.8% 3 Month -0.8% 6 Month 14.8% 1 Year 12.3% 3 Year 19% 5 Year 20.2% 10 Year 15 Year Since launch 17.4% Historical performance (Yearly) on absolute basis
Year Returns 2024 -2.5% 2023 32.4% 2022 49% 2021 13.9% 2020 51.6% 2019 2.7% 2018 6.7% 2017 -17.2% 2016 47% 2015 4.1% Fund Manager information for DSP India T.I.G.E.R Fund
Name Since Tenure Data below for DSP India T.I.G.E.R Fund as on 31 Jul 26
Equity Sector Allocation
Sector Value Asset Allocation
Asset Class Value Top Securities Holdings / Portfolio
Name Holding Value Quantity 6. Nippon India Power and Infra Fund
Nippon India Power and Infra Fund
Growth Launch Date 8 May 04 NAV (18 Sep 26) ₹376.46 ↑ 5.12 (1.38 %) Net Assets (Cr) ₹8,042 on 31 Jul 26 Category Equity - Sectoral AMC Nippon Life Asset Management Ltd. Rating ☆☆☆☆ Risk High Expense Ratio 1.85 Sharpe Ratio 0.34 Information Ratio 0.4 Alpha Ratio 6.69 Min Investment 5,000 Min SIP Investment 100 Exit Load 0-1 Years (1%),1 Years and above(NIL) Growth of 10,000 investment over the years.
Date Value Returns for Nippon India Power and Infra Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 17 Sep 26 Duration Returns 1 Month -2.9% 3 Month -2.7% 6 Month 10% 1 Year 6.1% 3 Year 17.3% 5 Year 19.7% 10 Year 15 Year Since launch 17.6% Historical performance (Yearly) on absolute basis
Year Returns 2024 -0.5% 2023 26.9% 2022 58% 2021 10.9% 2020 48.9% 2019 10.8% 2018 -2.9% 2017 -21.1% 2016 61.7% 2015 0.1% Fund Manager information for Nippon India Power and Infra Fund
Name Since Tenure Data below for Nippon India Power and Infra Fund as on 31 Jul 26
Equity Sector Allocation
Sector Value Asset Allocation
Asset Class Value Top Securities Holdings / Portfolio
Name Holding Value Quantity 7. BOI AXA Manufacturing and Infrastructure Fund
BOI AXA Manufacturing and Infrastructure Fund
Growth Launch Date 5 Mar 10 NAV (18 Sep 26) ₹66.22 ↑ 0.67 (1.02 %) Net Assets (Cr) ₹893 on 31 Jul 26 Category Equity - Sectoral AMC BOI AXA Investment Mngrs Private Ltd Rating Risk High Expense Ratio 2.4 Sharpe Ratio 0.7 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 1,000 Exit Load 0-1 Years (1%),1 Years and above(NIL) Growth of 10,000 investment over the years.
Date Value Returns for BOI AXA Manufacturing and Infrastructure Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 17 Sep 26 Duration Returns 1 Month -2.1% 3 Month 1.9% 6 Month 16.3% 1 Year 14.1% 3 Year 19.9% 5 Year 19.2% 10 Year 15 Year Since launch 12.1% Historical performance (Yearly) on absolute basis
Year Returns 2024 7.8% 2023 25.7% 2022 44.7% 2021 3.3% 2020 52.5% 2019 28.1% 2018 2.5% 2017 -22.8% 2016 56% 2015 1% Fund Manager information for BOI AXA Manufacturing and Infrastructure Fund
Name Since Tenure Data below for BOI AXA Manufacturing and Infrastructure Fund as on 31 Jul 26
Equity Sector Allocation
Sector Value Asset Allocation
Asset Class Value Top Securities Holdings / Portfolio
Name Holding Value Quantity 8. Invesco India PSU Equity Fund
Invesco India PSU Equity Fund
Growth Launch Date 18 Nov 09 NAV (18 Sep 26) ₹63.65 ↑ 0.80 (1.27 %) Net Assets (Cr) ₹1,473 on 30 Jun 26 Category Equity - Sectoral AMC Invesco Asset Management (India) Private Ltd Rating ☆☆☆ Risk High Expense Ratio 2.14 Sharpe Ratio -0.16 Information Ratio -0.57 Alpha Ratio -6.88 Min Investment 5,000 Min SIP Investment 500 Exit Load 0-1 Years (1%),1 Years and above(NIL) Growth of 10,000 investment over the years.
Date Value Returns for Invesco India PSU Equity Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 17 Sep 26 Duration Returns 1 Month -4.3% 3 Month -4.4% 6 Month -2.3% 1 Year -0.8% 3 Year 17.2% 5 Year 19% 10 Year 15 Year Since launch 11.6% Historical performance (Yearly) on absolute basis
Year Returns 2024 10.3% 2023 25.6% 2022 54.5% 2021 20.5% 2020 31.1% 2019 6.1% 2018 10.1% 2017 -16.9% 2016 24.3% 2015 17.9% Fund Manager information for Invesco India PSU Equity Fund
Name Since Tenure Data below for Invesco India PSU Equity Fund as on 30 Jun 26
Equity Sector Allocation
Sector Value Asset Allocation
Asset Class Value Top Securities Holdings / Portfolio
Name Holding Value Quantity 9. UTI Transportation & Logistics Fund
UTI Transportation & Logistics Fund
Growth Launch Date 11 Apr 04 NAV (18 Sep 26) ₹293.922 ↑ 1.68 (0.58 %) Net Assets (Cr) ₹4,263 on 31 Jul 26 Category Equity - Sectoral AMC UTI Asset Management Company Ltd Rating ☆☆☆ Risk High Expense Ratio 1.93 Sharpe Ratio 0.47 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 500 Exit Load 0-1 Years (1%),1 Years and above(NIL) Growth of 10,000 investment over the years.
Date Value Returns for UTI Transportation & Logistics Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 17 Sep 26 Duration Returns 1 Month -4.1% 3 Month 4.7% 6 Month 9.8% 1 Year -1.2% 3 Year 16.4% 5 Year 18.9% 10 Year 15 Year Since launch 16.3% Historical performance (Yearly) on absolute basis
Year Returns 2024 19.5% 2023 18.7% 2022 40.1% 2021 14.7% 2020 24.3% 2019 11% 2018 -8.7% 2017 -19.5% 2016 39.6% 2015 4.8% Fund Manager information for UTI Transportation & Logistics Fund
Name Since Tenure Data below for UTI Transportation & Logistics Fund as on 31 Jul 26
Equity Sector Allocation
Sector Value Asset Allocation
Asset Class Value Top Securities Holdings / Portfolio
Name Holding Value Quantity 10. HDFC Infrastructure Fund
HDFC Infrastructure Fund
Growth Launch Date 10 Mar 08 NAV (18 Sep 26) ₹46.424 ↑ 0.57 (1.24 %) Net Assets (Cr) ₹2,375 on 31 Jul 26 Category Equity - Sectoral AMC HDFC Asset Management Company Limited Rating ☆☆☆ Risk High Expense Ratio 2.06 Sharpe Ratio -0.25 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 300 Exit Load 0-1 Years (1%),1 Years and above(NIL) Growth of 10,000 investment over the years.
Date Value Returns for HDFC Infrastructure Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 17 Sep 26 Duration Returns 1 Month -1.5% 3 Month -3.2% 6 Month 4.4% 1 Year -3.4% 3 Year 13.4% 5 Year 18.5% 10 Year 15 Year Since launch Historical performance (Yearly) on absolute basis
Year Returns 2024 2.2% 2023 23% 2022 55.4% 2021 19.3% 2020 43.2% 2019 -7.5% 2018 -3.4% 2017 -29% 2016 43.3% 2015 -1.9% Fund Manager information for HDFC Infrastructure Fund
Name Since Tenure Data below for HDFC Infrastructure Fund as on 31 Jul 26
Equity Sector Allocation
Sector Value Asset Allocation
Asset Class Value Top Securities Holdings / Portfolio
Name Holding Value Quantity
Important Things to Remember Before Investing
Before starting a SIP for a ₹10 crore goal, keep the following points in mind:
- Invest according to your risk profile.
- Stay invested during market volatility.
- Review your portfolio annually.
- Increase SIP contributions whenever income rises.
- Avoid stopping SIPs during temporary market corrections.
- Maintain an emergency fund separately.
- Diversify investments across suitable mutual fund categories.
Mutual fund investments are subject to market risks. Historical returns do not guarantee future performance. Actual returns may be higher or lower than assumptions used in the illustrations above.
How to Invest in Mutual Fund SIP Online?
Open Free Investment Account for Lifetime at Fincash.com.
Complete your Registration and KYC Process
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Frequently Asked Questions (FAQs)
1. How much SIP is needed for ₹10 crore?
A: The SIP amount depends on investment duration and expected returns. At an assumed annual return of 14%, approximately ₹76,000 per month may be required over 20 years.
2. Can I build ₹10 crore with a ₹10,000 SIP?
A: Yes. However, achieving ₹10 crore with a ₹10,000 SIP would generally require a much longer investment horizon, higher returns, or periodic increases through a Step-Up SIP.
3. Is ₹10 crore enough to retire in India?
A: It depends on lifestyle, inflation, healthcare costs, and retirement age. For some investors, ₹10 crore may be sufficient, while others may require a larger retirement corpus.
4. Which mutual funds are suitable for building ₹10 crore?
A: Long-term investors generally consider diversified equity mutual funds, flexi-cap funds, Index Funds, and large & mid cap funds based on their risk appetite and financial goals.
5. What if mutual fund returns are lower than expected?
A: If actual returns are lower than expected, investors may need to increase their SIP amount, extend the investment period, or use a Step-Up SIP strategy to reach their target corpus.
5. Should I increase my SIP every year?
A: Yes. Increasing SIP contributions in line with salary growth can significantly improve wealth creation and help achieve financial goals faster.
All efforts have been made to ensure the information provided here is accurate. However, no guarantees are made regarding correctness of data. Please verify with scheme information document before making any investment.
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Research Highlights for DSP World Gold Fund