How a Simple ₹5,000 SIP Turned Into a ₹10 Crore Fortune
Let’s Talk About Making Money While You Sleep
You know what’s crazy? How small, regular investments can balloon into serious wealth over time. Take SIPs—Systematic Investment Plans. They’re like planting a money tree where you drop in a few thousand bucks every month and forget about it. And then one day? Boom. You’re sitting on crores. There’s this wild story about a guy who turned ₹5,000 monthly SIPs into ₹10 freaking crore. No lottery, no inheritance—just smart, boring consistency. Here’s the thing—it’s totally doable if you play the long game.
SIPs Explained (Without the Finance Jargon)
Okay, so SIPs are basically autopilot investing. You set aside a fixed amount—say ₹5k—every month into a mutual fund. The magic happens in two ways:
- Rupee cost averaging: When markets dip, your ₹5k buys more units. When they rise? Fewer units. It all balances out.
- Compounding: This is where things get spicy. Your returns start earning returns, and over 20-30 years? It’s like rolling a snowball down a Himalayan slope.
Let me put it this way—₹5,000/month at 12% over 30 years becomes ~₹1.75 crore. But at 18%? That’s when you hit the ₹10 crore jackpot.
The HDFC Guy Who Nailed It
So this investor—no fancy tricks—just picked an HDFC equity fund and stuck to his ₹5k/month SIP like glue. Through market crashes, through booms, through whatever nonsense the economy threw at him. Three decades later? His portfolio was flirting with ₹10 crore. The recipe:
- Zero missed payments: Rain or recession, that SIP went through.
- Time, not timing: He didn’t try to outsmart the market. Just stayed put.
- Fund choice mattered: Went with a proven performer instead of chasing shiny new schemes.
Honestly, the hardest part was probably not touching that money when it hit ₹50 lakh and he wanted a fancy car.
Why Compounding is Your Best Friend
Imagine two neighbors:
- Rahul starts a ₹5k SIP at age 25, stops at 35 but leaves it invested.
- Sameer starts at 35 but invests till 65.
Guess who ends up with more? Rahul—because his money had more time to compound. That’s the power of starting early, even if you can’t invest forever.
How to (Actually) Pull This Off
- Start yesterday: Every year you delay costs you lakhs in future wealth.
- Pick funds like you’d pick a life partner: Look for consistent 10+ year performance, not last year’s flashy returns.
- Automate it: Set up auto-debit so you never have a “forgot to invest” excuse.
- Ignore the noise: When markets crash (and they will), your SIP is actually getting a discount.
Mistakes That’ll Screw Up Your ₹10 Crore Dream
- Panic-selling: Stopping SIPs in a crash is like returning unopened Amazon packages during a sale.
- Overdiversifying: Three good funds beat ten mediocre ones.
- Checking daily NAVs: This isn’t cricket scores—obsessing over short-term movements is pointless.
Real Questions Real People Ask
“But can normal people really become crorepatis?”
Abso-bloody-lutely. The math doesn’t lie—consistent SIPs in equity funds over 20+ years create wealth. Not get-rich-quick, get-rich-slow.
“What if I can’t do ₹5k/month?”
Start with ₹500 then! The amount matters less than starting early. Increase when you can.
“When should I redeem?”
When you need the money—for retirement, kid’s education etc. Not because some analyst says markets are “overvalued.”
The Bottom Line
That ₹10 crore story isn’t magic—it’s math plus discipline. The market will have tantrums, your friends will brag about crypto gains, and you’ll wonder if this is working. But here’s the truth: slow and steady doesn’t just win the race, it retires early with crores in the bank. Your future self will high-five you for starting today. So—which fund are you picking?
Source: News18 Hindi – Nation