Investment Blog: Want to Earn ₹1.38 Crore? See How a ₹4,000 Monthly SIP Can Build Your Wealth

UdaipurTimes, August 26, 2026 | Insurance and Investment Blog: It is often said that small savings can grow into a large amount over time. Sometimes, even a small investment can help you build a big fund in the future through SIP investment. Many investors believe that if their income or salary is low, they may never be able to build a corpus of crores of rupees. However, this idea is not entirely true. You need to choose the right long-term investment scheme and invest regularly. Let’s say your salary is ₹20,000 per month. In that case, you can follow the 50-30-20 formula.

All About Investment

According to the 50-30-20 formula, you should spend 50% of your salary on essential expenses such as house rent, food bills and other needs. Of the remaining 50%, 30% can be spent on entertainment and hobbies, while the remaining 20% can be invested. Therefore, if your salary is ₹20,000, you can invest ₹4,000 every month. With this amount, you can start a Systematic Investment Plan (SIP).

This investment can help you build a large fund over the long term. For example, if you invest ₹4,000 every month through an SIP and earn an average annual return of 12%, the investment could grow to around ₹1.38 crore after 28 years. However, SIP returns depend on market performance, so the actual returns may vary.

Best Way to Invest

There are different types of SIPs. Under a fixed SIP, investors put a fixed amount of money into an investment every month for a long period. In this case, the investment amount remains the same. On the other hand, in a step-up SIP, investors increase their investment amount every year based on their income.

Disclaimer: Udaipur Times does not recommend investing in any particular scheme. Investments in the market are subject to risk. Before investing, consult a qualified financial expert and make an informed decision.