How You’ll Become a Crorepati by Investing Just ₹350/Day — The Real Plan, Not Clickbait

Introduction: No Inheritance, No Crypto, Just Consistency

Everyone says “start investing early,” but no one shows the real math.

So here it is — ₹350 per day, invested smartly in a mutual fund SIP, can grow to ₹1 crore in 20 years at ~12% annual returns.

This isn’t some viral reel or get-rich-quick scheme. It’s boring, proven, and repeatable. Let’s break it down.

How ₹350/Day Becomes ₹1 Crore?

Use our SIP Calculator below to check this for yourself.

• Enter your monthly investment amount

• Choose your time frame (years)

• Pick expected return rate (8%–15%)

• Instantly see your total invested, profit, and future value

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Real-Life Examples That Prove This Works

To show that a 12% annual return is not a fantasy, here are actual Indian stocks, indices, and funds that delivered 12–25% CAGR over the long term:

What This Means

• 12% CAGR over 15–20 years is realistic — especially with SIPs in index or equity mutual funds.

• ₹350/day can genuinely become ₹1 crore+ if you ride the compounding wave patiently.

Real Story: How Priya Turned SIP into Wealth

Priya, a 45-year-old from Jaipur, started investing ₹300/day (₹9000/month) in an equity mutual fund in 2005. She kept it going for 20 years.

Despite the 2008 crash, demonetization, and COVID dip — she didn’t stop.
Now in 2025, she’s sitting on ₹2 crore+, all from a habit most people ignore.

What If I Start Late?

Starting at 30 vs 25 may require you to invest ₹15,000/month instead of ₹10,500 to hit the same ₹1 crore.

Earlier = Easier. Compounding is a time game, not a rich game.

Pro Tips to Make This Work

• Start ASAP – Time > Amount

• Set Auto-Debit SIP – Automate your investing

• Choose Index or Large Cap Funds – Safe and consistent

• Avoid Panic Selling – Stay during market dips

• Step-Up SIP Every Year – Increase SIP by 10% annually

• Use Direct Mutual Funds – Lower expense ratio = more returns

Comparison: SIP Values by Daily Amount

Bonus: ₹1 Crore in Today’s Value?

If we account for inflation (~6%), then ₹1 crore 20 years from now will feel like ~₹30–35 lakh today.

So, to maintain value:

• You may aim for ₹2 crore instead

• Or add inflation to your SIP plan here → Inflation-Adjusted SIP Calculator

If you’re looking for a Stockbroker that offers speed, transparency, and advanced tools, Dhan is one of the best choices today. With zero brokerage on delivery trades and intuitive charts, Dhan is built for both beginners and pro traders. Invest in Stocks, F&O, Commodities, Currency, ETFs, Mutual Funds, SGBs, IPOs, SIPs and much more.

Click Here to Open Your Free Dhan Account
No paperwork. No account opening charges. Get started in 5 minutes! Dhan also offers advanced tools like TradingView & Options Trader built-in.

FAQs – ₹350/Day SIP Plan

1. Can ₹350/day really become ₹1 crore?

Yes. ₹10,500/month invested for 20 years at 12% returns compounds to ~₹1.04 crore.

2. What if I start late?

You’ll need to invest more. Starting at 35 instead of 25 may require ~₹20,000/month to hit the same goal.

3. What if returns are lower?

Even with 10% CAGR, ₹10,500/month gives ~₹76 lakh in 20 years — still great.

4. Is SIP better than FD or PPF?

Yes, historically. SIPs in equity funds have beaten FDs, PPFs, and gold over long durations due to compounding and market-linked growth.

5. Where should I invest?

Start with Nifty 50 index funds, or large-cap mutual funds via direct plans. Consider apps like Dhan for hassle free investment.

6. Can I increase the SIP amount later?

Absolutely. That’s called step-up SIP — a great way to boost wealth without feeling the pinch.

Conclusion: Slow and Steady = ₹1 Crore

Building wealth isn’t about IQ, timing, or luck. It’s about habits.

Investing ₹350/day isn’t hard. But doing it every day for 20 years — that’s rare.

Be that person.

Open a SIP. Stick to it. Automate it. Forget about it.
And 20 years later, say hello to ₹1 crore.

If you’re looking for a Stockbroker that offers speed, transparency, and advanced tools, Dhan is one of the best choices today. With zero brokerage on delivery trades and intuitive charts, Dhan is built for both beginners and pro traders. Invest in Stocks, F&O, Commodities, Currency, ETFs, Mutual Funds, SGBs, IPOs, SIPs and much more.

Click Here to Open Your Free Dhan Account
No paperwork. No account opening charges. Get started in 5 minutes! Dhan also offers advanced tools like TradingView & Options Trader built-in.

What is the one thing that you want when you get old? Time, so that you can correct and reverse the mistakes you did in past.

Time is equal for all of us on this planet at least? The more you invest your present time in right direction and decision, better will be your future.

Do start investing today, if you are not because the people who wait for right time, it does not come simply.

There are many types of investment that can be made in different financial instruments such as Stocks, SGB, ETF etc. However, investing is not everyone’s cup of tea, understanding the fundamentals (reading balance sheets, cashflow, profit-loss statement, annual reports etc. as well as doing technical analysis to choose stocks and create a portfolio takes time, learning and energy.

Instead, you can choose the list of different mutual funds schemes offered by the various Asset Management Companies(AMC) such as SBI, HDFC, UTI, AXIS, ICICI etc. and invest in them in a systematic way. This way is much better as you would be better disciplined with less risk.

Wanted to invest or have invested in Post Office Time Deposit (TD) account then first check how much you can get by using Post Office Time Deposit (TD) Calculator

Are you looking to invest in fixed deposits than do check, How Much You Can Get Monthly From Fixed Deposits. Also, see highest interest rate offering bank for fixed deposits(FD) in India.

Check out moneycontain CAGR Calculator to know your returns from investments made in mutual funds, index funds, FD, stocks, lumpsum etc.

Choosing between renting and buying a home is one of the biggest financial decisions you’ll ever make. Use our Rent versus Buy home Calculator to solve this within minutes.

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Disclaimer

Mutual fund investments are subject to market risks. This post is for informational purposes only. Please consult a SEBI-registered advisor before making investment decisions.