Systematic Investment Plans (SIPs): Build a ₹1 Crore Fund with Small Monthly Investments

If you’re looking to invest in the stock market but are concerned about market fluctuations, mutual funds can be a great option. Managed by experienced fund managers, mutual funds offer a diversified way to invest, keeping the risk under control. The beauty of mutual funds is that you can select a fund that matches your investment goals and risk tolerance.

Small, consistent investments made every month through Systematic Investment Plans (SIPs) have the potential to yield significant returns over the long term. Many investors have built substantial wealth by following this disciplined approach, even by investing as little as Rs 1,000 or Rs 2,600 per month. With patience and time, these investments have the power to turn into a corpus of several lakhs or even crores.

SIP of ₹2600 Made into 1 Crore Rupees

If you’re considering creating a large corpus with small, regular investments over an extended period, two popular schemes from HDFC Fund House can be particularly beneficial. These include the HDFC Flexi Cap Fund and the HDFC ELSS Tax Saver Fund, both of which have provided excellent returns to investors over the past 25-27 years.

Many investors who regularly contribute through SIPs have successfully built a good corpus by staying invested for long durations. These funds not only offer the possibility of wealth creation but also serve as great options for tax-saving.

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Know About HDFC Flexi Cap Fund

The HDFC Flexi Cap Fund is one of the best-performing mutual funds for long-term investors. If you had started a SIP of Rs 1,000 every month in this fund at the time of its launch in 1995, your investment would have grown to approximately Rs 1.25 crore today. Over the past 27 years, this fund has delivered an impressive average annual return of 21.8%.

• HDFC ELSS Tax Saver Fund offers excellent potential for long-term wealth creation along with tax-saving benefits.
• Launched in 1996, this fund has proven to be a reliable choice for investors looking to build wealth steadily.
• If you had started a SIP of Rs 1,000 every month 27 years ago, your investment would have grown to approximately Rs 1.34 crore today.
• Continuing the SIP for 28 years would have turned your investment into around Rs 1.95 crore.
• If you had continued your SIP in this fund for 29 years, your investment would have grown to approximately Rs 1.98 crore.
• In the past year alone, this fund delivered a return of 48.26%.
• The average return over 3 years stands at 26.76%.
• The average return over 7 years has been 19.31%.
• This fund demonstrates the tremendous potential of investing consistently for the long term.

SIP of ₹10,000 Made into Rs 14 Crore Rupees

SIP Plan: Investing Rs 10,000 per month into the right fund can lead to extraordinary wealth creation.

For example, if you had been investing Rs 10,000 per month in HDFC Flexi Cap Fund for 29 years, your investment would have grown to approximately Rs 1.98 crore. The returns over the last year were 48.26%, while the average return over 3 years was 26.76%, and over 7 years, it has provided returns of 19.31%.

This highlights that with consistent and disciplined investing, it is entirely possible to build a substantial fund over time, even through small monthly contributions.

Know What Is HDFC ELSS Tax Saver Fund

HDFC ELSS Tax Saver Fund is another excellent option for investors looking for tax-saving benefits while still earning good returns. Launched in 1996, this fund has proved to be a reliable choice for long-term wealth creation.

Investment Duration	Monthly SIP	Total Corpus	Annual Return	3-Year Average Return	7-Year Average Return
27 Years	Rs 1,000	Rs 1.34 Crore	23.03%	25.03%	16.56%
28 Years	Rs 1,000	Rs 1.95 Crore	N/A	N/A	N/A

Conclusion

Investing in mutual funds through SIPs is a proven method to create significant wealth over time. The key is consistency and discipline. By making small, regular contributions—such as Rs 1,000 or Rs 2,600—every month, you allow your money to grow steadily with the power of compounding. Long-term investments through funds like HDFC Flexi Cap Fund or HDFC ELSS Tax Saver Fund have helped many investors achieve their financial goals, whether it’s buying a home, funding their child’s education, or planning for retirement.

While short-term market fluctuations may seem intimidating, staying invested for the long haul offers the best chance for wealth accumulation. It’s essential to choose the right scheme based on your financial goals, risk appetite, and investment horizon.

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