Today, when someone invests in Mutual Funds through SIP, he does it with the thought that he will earn huge profits from it. If the right fund is chosen with the right strategy, then you can also add a fund of crores through SIP. However, to add crores of rupees, SIP needs to be run for a long time. If your goal is big and you want to achieve it in a short time, then you will have to invest a lot of money. On the other hand, if you have patience and keep investing for a long time, then you will have to invest less money and you will also achieve your goals. Know here how much investment will have to be made to add a fund of Rs 5 crore in 20, 25, 30 or 35 years.

If you want to accumulate Rs 5 crore in 20 years, then you will have to invest Rs 55,000 every month. This is not a difficult task for those who earn big money. The average return of SIP is considered to be 12%. In this case, you will invest a total of Rs 1,32,00,000 in 20 years, at the rate of 12% you will get Rs 3,73,92,155 as interest and in 20 years you will become the owner of Rs 5,05,92,155.

If you want to accumulate Rs 5 crore in 25 years, then you will have to invest Rs 30,000 every month. In this case, you will invest a total of Rs 90,00,000 in 25 years, at the rate of 12% you will get Rs 4,20,66,197 as interest and in 25 years you will accumulate Rs 5,10,66,197.

If you want to accumulate a fund of Rs 5 crore in 30 years, then you will have to invest Rs 17,000 every month. In this way, you will invest a total of Rs 61,20,000 in 30 years, at the rate of 12% you will get Rs 4,62,56,545 as interest and in 30 years you will have Rs 5,23,76,545.

If you want to accumulate Rs 5 crore in 35 years, then you will have to invest Rs 9,500 every month. In this way, you will invest a total of Rs 39,90,000 in 35 years, at the rate of 12% you will get Rs 4,83,62,896 as interest and in 35 years you will accumulate Rs 5,23,52,896.

If you have a little patience and start SIP from an early age, you can continue SIP for 40 years and accumulate a fund of Rs 5 crore by investing very little money. In this case, you will have to invest only Rs 5,200 every month. You will invest a total of Rs 24,96,000 in 40 years, you will get Rs 4,84,27,969 as interest at the rate of 12%, and in 40 years you will own Rs 5,09,23,969.

SIP is a market-linked scheme, there is a risk of fluctuations in it. However, in long-term SIP, you get the benefit of rupee cost averaging, along with the tremendous benefit of compounding, due to which your money grows rapidly. This is the reason why financial experts always say that the longer the SIP, the bigger the profit. But this scheme is market-based, so returns are not guaranteed. The calculation here is based on an average return of 12%. It can be more or less. (Disclaimer: Investments in mutual funds are subject to market risks. Do your research or consult your advisor before investing.)