15x15x15 SIP Rule: The ₹1 Crore Dream vs. Reality

• The 15x15x15 SIP rule suggests ₹15k/month for 15 years at 15% return yields ₹1 crore.
• Consistent 15% annual returns for 15 years are rarely achieved; Nifty 500 data shows it happened only 10.6% of the time.
• A realistic 12% return reduces the corpus to ₹75 lakh, a significant ₹25 lakh difference from the ₹1 crore target.
• Even higher-risk mid-cap/small-cap funds do not guarantee consistent 15% returns over the long term.
• Inflation significantly erodes the value; ₹1 crore after 15 years is worth only ₹42 lakh in today's terms.

Why It Matters: The 15x15x15 SIP rule is flawed; aim for realistic returns, adjust for inflation, and increase SIPs.