If you've ever dreamt of becoming a crorepati, you don't necessarily need a massive inheritance or a lottery win. What you need is discipline, time, and the right return rate.
What is the 15-15-15 Rule?
The rule is simple to remember:
- ₹15,000: Your Monthly Investment (SIP)
- 15 Years: Your Investment Duration
- 15%: Your Expected Annual Return
When you combine these three, the result is a staggering ₹1,00,27,601 (Approx ₹1 Crore).
Try it yourself
Use our SIP calculator to see how changing your investment amount or tenure impacts your final wealth.
Open SIP CalculatorWhy 15%?
While bank FDs currently offer 6-7%, Indian equity mutual funds have historically delivered 12-15% CAGR over long periods (10+ years). While not guaranteed, diversifying across Nifty 50 Index funds or Flexi-cap funds makes this target achievable for long-term investors.
The Power of the Final Years
Interesting fact: In the 15x15x15 journey, you only invest ₹27 Lakhs over 15 years. The remaining ₹73 Lakhs comes purely from wealth appreciation. Most of this growth happens in the last 3-4 years of the tenure.