How to get 1 crore by investing now?

Q – I want to earn 1 crore in 10 years how much should I invest now?

A – If you want to earn 1 crore in 10 years then there are 2 ways to achieve it. If you have a lump sum amount saved with you then the target becomes a bit easier, if not even then you will be able to achieve the target but through disciplined investment techniques. Let us discuss both ways in detail:

  • Lump-sum amount

In case you have a lump sum amount to invest then you are lucky to have time by your side. Savings are important, the same savings can accumulate to a huge lump sum amount that can be invested further. Creating wealth is a slow and steady process, which involves your investment, and your time. While external factors like rate of return, economic growth, the inflation rate will affect your return but these are non-controllable factors.

Aim to earn 1 crore in the span of 10 years

Initial investment amount required (one time)

Time period = 10 years

The below table shows how the rate of return will impact the maturity value at the end of 10 years.

Rate of return (%) Investment amount (Rs) Maturity value (Rs)
12% 35 lakhs 1.09 Crores
15% 25 lakhs 1.01 Crores
18% 20 lakhs 1.05 Crores


Assuming the above rate of return, to achieve the corpus of 1 crore the above-stated investment amount in a lump sum is required. The higher is the rate of return, the lower will be the investment amount required and vice versa. If you have the savings ready then do not waste your time, start the investment right now to multiply your money.

  • SIP amount

If you are amongst those who hardly have savings and rely upon the monthly income sources then SIP is the tool for you. Build wealth SIP by SIP. A systematic investment plan involves investing a part of your income towards investment every month. This amount that you part away may be a fixed amount or maybe a floating amount with a percentage increase every month. However, to simplify we will consider a fixed SIP amount invested every month to achieve a corpus of 1 crore in 10 years.

Initial investment amount required (monthly)

Time period = 10 years

The below table shows how the rate of return will impact the maturity value at the end of 10 years.

Rate of return (%) SIP amount monthly (Rs) Maturity value (Rs)
12% Rs 44,000 Rs 1.02 Crores
15% Rs 37,000 Rs 1.03 Crores
18% Rs 30, 000 Rs 1.01 Crores

Assuming the above rate of return, to achieve the corpus of 1 crore the above-stated investment amount in SIP is required. The higher is the rate of return, the lower will be the investment amount required and vice versa.  SIP is the most feasible mode of investment for employees with monthly salaries.

Q – How to earn 1 crore if you have a small amount of savings?

A – Its ok if you do not have enough savings. Even with a small amount of savings, you could earn huge. The only thing that you should have was patient. With a small amount of savings, once invested, need to remain invested for a longer period of time say a minimum of 20 years. The longer is the time period the higher will be the maturity value.

Lumpsum amount investment

Time period = 20 years


Rate of return (%) Lumpsum amount (Rs) Maturity value (Rs)
12% Rs 11 lakhs Rs 1.06 Crore
15% Rs 6 lakhs 50 thousand Rs 1.06 Crore
18% Rs 3 lakhs 80 thousand Rs 1.04 Crore

SIP amount per month

Rate of return (%) SIP amount monthly (Rs) Maturity value (Rs)
12% Rs 10,000 Rs 1.00 Crore
15% Rs 7,000 Rs 1.06 Crore
18% Rs 4,500 Rs 1.05 Crore

Ways to earn 1 crore?

Who does not want to become a millionaire? With the changing times if you focus on creating multiple sources of income then becoming a millionaire is within your radar. Creating wealth requires financial knowledge. It is an art to know how to multiply your money or in other words how to create money from money. Considering inflation rate increase every year, we all need to be cautious about how to create wealth and retirement corpus to survive on when we become old.

  • Monetize your skills – First step towards wealth creation is to know how to monetize your skill sets to earn. Everyone is gifted with unique skills; the talent lies in identifying and acknowledging the same. Work upon your skills to nurture it and learn how to monetize them to earn income. Market is open for all for those who have something to offer others. Every service or skillsets has a price tag attached to it.
  • Save money – It ok if you have a fixed monthly income coming your way or if you know how to monetize your skills. The real challenge is how to manage your expenses in a way to save at least 20% of your income on monthly basis. The more the better. Let us keep a reasonable target of at least 20% savings on monthly basis. Saving is the 2nd step towards wealth creation.
  • Invest right – Savings will be a waste if not invested at the right time at the right place. Know which investment tool be it mutual funds, stock market, gold, insurance, tax saving plans, real estate, etc. Choose the tool which is aligned with your needs and requirements.
  • Time period – The longer you remain invested, the higher will be the final returns. The power of compounding is magical and worth a shot. If the same amount is invested for 5 years will give you 50% of the amount. If invested for 10 years then you end up getting twice the invested amount. If you remain invested for 20+ years then it becomes 15 times of the amount invested. The longer you stay invested, the more compounding will play its role.
  • Passive income source – It is always advisable to create multiple sources of income. Passive income if created supplements your permanent source of income. It helps support you to take that extra risk which might give you that extra return. It may also act as a backup in case of any unforeseen circumstances. Reinvesting this income will again help you multiply your money.

Best 1 crore term plan in India

Determining the “best” term plan in India can depend on individual needs, preferences, and the features offered by different insurance providers. However, several reputable insurance companies in India offer term insurance plans with substantial coverage.

Here are a few considerations and examples to help you evaluate term insurance plans:

Considerations for Choosing the Best Term Plan:

  1. Coverage Amount: Look for a plan that offers a high coverage amount (sum assured) to adequately cover your family’s financial needs in case of your unfortunate demise.
  2. Premium and Affordability: Compare premiums across different insurers. Ensure that the premium is affordable for the coverage you require, keeping in mind your income and budget.
  3. Claim Settlement Ratio: Check the insurer’s claim settlement ratio, which indicates the percentage of claims settled by the company. Higher ratios imply a better track record of settling claims.
  4. Rider Options: Some insurers offer additional riders (e.g., critical illness, accidental death) that can enhance the coverage. Evaluate these options based on your specific needs.

Examples of Reputable Insurance Providers in India:

  1. ICICI Prudential Life Insurance: Known for a range of term plans with varying features like ICICI Pru iProtect Smart, offering options for coverage against critical illnesses, accidental death benefit, and flexible payout options.
  2. HDFC Life Insurance: HDFC Click 2 Protect 3D Plus is a popular term insurance plan providing coverage against critical illnesses, life stage protection, and options for lump-sum or income benefit payouts.
  3. Max Life Insurance: Max Life Online Term Plan Plus offers comprehensive coverage with options for a critical illness rider and flexible payout choices for beneficiaries.
  4. SBI Life Insurance: SBI Life eShield is a customizable term plan offering coverage for terminal illnesses and accidental death, along with flexible premium payment options.

Steps to Choose:

  1. Assess Your Needs: Determine the coverage amount based on your family’s financial requirements, liabilities, and future expenses.
  2. Research and Compare: Visit the websites of insurance providers, compare features, premiums, riders, and claim settlement ratios.
  3. Read Reviews and Seek Advice: Look for customer reviews and seek advice from financial advisors to understand the plan’s suitability for your specific situation.
  4. Understand the Terms and Conditions: Carefully read the policy documents, understand exclusions, and terms related to claim settlements.
  5. Application Process: Apply online or through agents, providing accurate information to avoid complications during claim settlements.

Per month investment which will create 1 crore in 5 years?

To determine the monthly investment needed to accumulate 1 crore INR in 5 years with a certain annual interest rate, you can use the future value of annuity formula. The formula is:



  • is the future value (1 crore INR in this case).
  • is the monthly investment.
  • is the monthly interest rate (annual interest rate divided by 12 and converted to a decimal).
  • is the number of times that interest is compounded per year (12 for monthly compounding).
  • is the number of years (5 years in this case).

Let’s assume:

  • Future value () = 1 crore INR
  • Time () = 5 years
  • Annual interest rate () = 10% (0.10 as a decimal)

Now, let’s calculate the monthly investment ():


Now, solve for :


Using a financial calculator or spreadsheet software, you can find that the monthly investment needed to accumulate 1 crore INR in 5 years with a 10% annual interest rate is approximately 1,61,813.47 INR.


If you would have invested Rs 1 lakh at the age of 20 years, by the time you are 65 years old, your money would have multiplied to Rs 5.39 crores.

When are you planning to get your 1 crore?

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