Unlock Crores with SIP: The 10x21x12 Formula for Millionaire Status
Business
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News18•26-01-2026, 13:59
Unlock Crores with SIP: The 10x21x12 Formula for Millionaire Status
- •The 10x21x12 SIP formula involves investing 100 rupees daily for 21 years with an average annual return of 12%.
- •Daily investment of 100 rupees translates to approximately 3,000 rupees per month or 36,500 rupees per year.
- •Over 21 years, the total investment would be around 7.6-7.7 lakh rupees, but due to compounding, the fund can grow to nearly 1 crore rupees.
- •Compounding is the core strength of SIP, where returns accelerate significantly over time, especially in the later years.
- •This formula is suitable for salaried employees, small business owners, new investors, and college graduates, emphasizing the importance of starting early and maintaining a long-term perspective.
Why It Matters: The 10x21x12 SIP formula leverages small, regular investments and compounding over time to build substantial wealth.
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