Unlock ₹1 Crore Retirement Fund with SIP: Calculation & Expert Tips Revealed!

• SIPs are gaining popularity, with investments crossing ₹31,002 crore in December 2025 and total AUM reaching ₹16.63 lakh crore.
• A monthly SIP of ₹7,000 with an 8% annual return can build a ₹1 crore corpus in 30 years, with compounding generating most of the wealth.
• Achieve ₹1 crore in 30 years with just ₹4,800/month SIP by aiming for a 10% return, emphasizing time over high returns.
• Retirement corpus should be 30-40 times annual expenses; for ₹10 lakh annual expenses, target ₹3-4 crore.
• Proper financial planning must account for lifestyle, inflation, healthcare, and unexpected expenses, avoiding overly optimistic estimates.

Why It Matters: Strategic SIP planning, disciplined investment, and long-term patience are key to building a substantial retirement fund.