Building wealth is not about earning a substantial amount every month, but investing your hard-earned money wisely. For salaried individuals, it is important to make investments in the right instruments and stay invested for a longer tenure to build a large corpus.
Disciplined investment helps in accelerating wealth creation and beating inflation, as even small investments earn substantial returns in the long run due to the power of compounding.
For most salaried individuals in India, building a corpus of Rs 25 lakh is a major financial milestone. While the target may sound ambitious, the good news is that with disciplined investing and a long-term horizon, this goal is well within reach.
Before calculating monthly investments, it is important to decide when you want to reach the Rs 25 lakh target. A shorter timeline demands higher monthly contributions, while a longer horizon allows compounding to do much of the heavy lifting.
One of the common investment options is a mutual fund Systematic Investment Plan (SIPs). As per industry trends, SIPs usually offer an average annual return of 10–12%, especially the equity-oriented schemes.
For those who are starting their salaried journey, they could start small with an investment of Rs 5,000 per month. However, the most realistic sweet spot for salaried Indians in 2026 is between Rs 8,000 and Rs 15,000 per month over 10–15 years.
Salaried individuals can plan their investments as per their predictable income growth. Annual increments and bonuses can be used to gradually increase SIP amounts. Even if this is not immediately possible, it is likely to be more affordable as one grows in one's career.
Below, we have shown how much investment is required to achieve a corpus of Rs 25 lakh across different investment durations.
Investing In Mutual Fund SIPs For 5 Years
Monthly investment: Rs 31,000
Tenure: 5 years
Total investment: Rs 18.6 lakh
Expected rate of returns: 12%
Estimated returns: Rs 6.54 lakh
Maturity corpus: Rs 25.14 lakh
Investing In Mutual Fund SIPs For 10 Years
Monthly investment: Rs 11,500
Tenure: 10 years
Total investment: Rs 13.8 lakh
Expected rate of returns: 12%
Estimated returns: Rs 11.96 lakh
Maturity corpus: Rs 25.76 lakh
Investing In Mutual Fund SIPs For 15 Years
Monthly investment: Rs 5,500
Tenure: 15 years
Total investment: Rs 9.9 lakh
Expected rate of returns: 12%
Estimated returns: Rs 16.28 lakh
Maturity corpus: Rs 26.18 lakh
These figures highlight the power of starting early. Even a delay of a few years can significantly increase the monthly investment burden.
For salaried staff, consistency matters more than chasing high returns. SIPs in mutual funds are often a preferred choice as they allow investors to start with modest amounts and invest regularly.
For salaried staff in India, building a Rs 25 lakh corpus is a realistic and achievable goal. With a clear timeline, disciplined monthly investments and sensible asset allocation, even modest contributions can grow into a sizeable sum over time.
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