₹1 Crore by Age 18: Your Child's SIP Roadmap

If you start a SIP of around ₹8,000–₹10,000 per month from your child's birth, compounding can help you build a ₹1 crore corpus by the time they turn 18. Wait too long and you'll need to invest much more every month to reach the same goal.

Here's what happened: Starting a monthly SIP of ₹8,000–₹10,000 from birth can grow to ₹1 crore by age 18, assuming a 12% annual return from equity mutual funds.. The power of compounding means money invested early does the heavy lifting — delaying by even 5 years can force you to double your monthly SIP amount to hit the same target.. Equity mutual funds via SIP are considered one of the most accessible and tax-efficient ways for Indian parents to build a long-term corpus for their children's education or future..

What you should do: Start a SIP today in your child's name (or jointly) — even ₹5,000/month in a diversified equity fund is a strong beginning if your child is under 5.. Use a free SIP calculator (available on Groww, Zerodha Coin, or ET Money) to calculate exactly how much you need monthly based on your child's current age.. Review and step up your SIP by 10% every year — a ₹8,000 SIP that grows 10% annually can cut the time to ₹1 crore significantly compared to a fixed SIP..

Open a Sukanya Samriddhi Account for a girl child — it offers 8.2% guaranteed returns, tax-free maturity, and Section 80C deduction. Pair it with an equity SIP for best results.