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 15x15x15 rule is a financial framework that states if you invest ₹15,000 every month for a duration of 15 years, and receive an annualized return of 15%, your total investment portfolio will grow to exactly ₹1 Crore.
The breakdown is simple:
- ₹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.
Frequently Asked Questions
Does the 15x15x15 rule account for inflation?
No, the traditional 15-15-15 rule calculates absolute returns and does not account for inflation. Since ₹1 Crore will have less purchasing power in 15 years, experts recommend using a 'Step-up SIP' strategy where you increase your monthly investment by 5-10% every year as your income grows.
Is it possible to get a 15% return in India?
While 15% is on the higher end of expectations and is never guaranteed, many Indian equity mutual funds (particularly mid-cap and small-cap funds) have historically delivered 12-15% CAGR over 10 to 15-year horizons.