Secret SIP Formula: Small Salary? Here’s How To Build Rs One Crore The Easy Way

New Delhi: SIP, i.e., Systematic Investment Plan, is a way by which you invest small amounts regularly. On the occasion of the beginning of 2026, finance experts have again explained to the people about SIP. He says that if you invest a small amount regularly in the right place, you can earn a good amount in 10 to 30 years, and for some people this journey can reach the point of becoming a millionaire.

How does SIP work?

In SIP, every month a fixed amount is withdrawn from your account and invested in investments like equity or mutual funds. The amount remains small in the beginning, but its value increases over time. Its advantage is that your investment is protected from market fluctuations because you invest money at different times, which makes the average price better.

How to become a millionaire in 10 to 30 years?

Experts say that to make a huge amount in 10 years, you have to invest as per the rules in the beginning, and as the income increases, the SIP amount should also be increased. If patience is maintained along with regular investment for long-term goals, then compounding gives huge benefits. With the power of compounding, even small amounts can turn into crores over time.

How much should be invested?

It depends on your age, income, expenses, and financial goals. Experts often say that one should start with a small amount at a young age, so that it can increase with time. With time you can increase your investment amount. Those starting with small investments can also get the same benefits, just they should not leave the investment late.

Which option should one invest in?

SIPs are mostly invested in the equity portion of mutual funds, which provide good returns in the long run as the market grows. But it is not necessary that everyone should choose equity. Depending on your risk appetite, goals, and time horizon, you can choose debentures, debt funds, gold, or even mixed portfolios. It is advisable to keep the portfolio diversified so that if any one thing goes wrong, the impact is less.

Does SIP alone make one successful?

No. To avail the benefits of SIP, it is important that you have a clear plan. First of all, decide what target you want to achieve in how much time. Choose the amount, fund, and token only after deciding on the goal. Apart from investing, it is also important to pay attention to savings, expenses, and tax planning.