To reach ₹2 crore in 20 years with expected annual return of 12%, one would need to invest approximately ₹20,890 per month. Over two decades, total investment would amount to around ₹50.13 lakh, with remaining ₹1.49 crore generated through market returns, said NDTVProfit. Equity mutual funds are ideal for long-term wealth creation due to potential for higher returns, it added.