With a ₹10,000 monthly SIP investment, a person can reach a target corpus of ₹1.04 crore within 21 years at an expected rate of return of 12%. For this, the total amount invested is ₹25.2 lakh and the estimated returns are ₹79.1 lakh. Moreover, with a ₹5,000 monthly SIP, a person can make ₹1.08 crore in 27 years at 12%.