To build a corpus of ₹5 crore in 20 years with an expected annual return of 12%, a monthly SIP of ₹51,000 would be required, NDTV Profit reported. If annual return is slightly lower at 10%, a monthly SIP of ₹66,000 would be required. If a person's mutual fund portfolio delivers 14%, they'd need to invest about ₹38,000 per month.