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Invest ₹5,000/month, Get ₹10,00,000 After 5 Years: Here's How

Want to turn ₹5,000 per month into ₹10,00,000 in 5 years? Learn the easiest and smartest ways to invest in India and grow your money with less risk.

By Gobind Arora

Published on: 1 May 2025 9:05 AM IST

Investment (PC- Social Media)

Introduction: Small Investment, Big Return

Many people think you need a lot of money to invest. But that’s not true. Even with ₹5,000 per month, you can become a lakhpati in just 5 years. You just need to choose the right investment and stay regular.

In this article, you will learn how to turn a monthly ₹5,000 investment into ₹10,00,000 or more in 5 years. It's simple, safe, and smart.

1. Understand the Power of SIP (Systematic Investment Plan)

A SIP is the easiest way to invest small amounts every month in mutual funds. You don’t need to time the market. Just invest ₹5,000 every month for 5 years.

If your investment grows at an average 15% annual return, your total value after 5 years will be around ₹4.5 lakh invested + ₹5.5 lakh profit = ₹10 lakh.

This is the most realistic way to grow your money.

2. Choose the Right Mutual Funds

All mutual funds are not the same. For higher returns, choose equity mutual funds or ELSS (Equity Linked Saving Schemes).

Here are 3 good options:

Large Cap Funds – Safe and stable
Mid Cap Funds – Balanced growth
ELSS Funds – High return + Tax saving

Choose SIPs with strong past performance, managed by trusted fund houses like HDFC, SBI, or Axis.

3. Use SIP Calculators to Plan Your Goal

Before investing, check how much return you can expect. Use free SIP calculators available on apps like Groww, Zerodha, or Paytm Money.

You just enter:

Monthly amount: ₹5,000
Duration: 5 years
Expected return: 12% to 15%

The calculator will show your total wealth at the end.

This helps you stay motivated and consistent.

4. Invest in PPF (Public Provident Fund) if You Want Safety

If you want no risk, then invest in PPF. You can deposit ₹5,000 every month in your PPF account.

After 5 years, you’ll get around ₹3.5 to ₹4 lakh, depending on the interest rate (currently around 7.1%).

PPF is a good option for risk-free saving and tax benefit, but it won’t give ₹10 lakh in 5 years. Use it for safe balance.

5. Combine SIP + PPF for Balance

To get high return + safety, split your ₹5,000:

₹3,000 in SIP (for higher returns)
₹2,000 in PPF (for safety)

This way, you can get both growth and peace of mind. In 5 years, you’ll have ₹10 lakh or close with less risk.

6. Avoid FD for Long Term Growth

Fixed Deposits (FDs) give low returns — around 6% to 7%. If you put ₹5,000/month in FD, you may get only ₹3.7 lakh in 5 years.

FD is safe but not suitable if your goal is to reach ₹10 lakh fast. So avoid it for long-term goals like wealth creation.

7. Don’t Withdraw Early: Stay Invested

The key to ₹10 lakh is staying invested for 5 full years. Many people start a SIP but stop after 1 or 2 years.

Don’t withdraw early
Don’t panic if markets fall
Stay focused on your goal

If you stay for 5 years, your money will grow with time and power of compounding.

8. Automate Your Investment

Set up auto-debit from your bank for SIP and PPF. This makes sure you don’t forget or skip a month.

Automated investment helps you stay regular without any stress. It’s the smartest habit for wealth building.

9. Keep Tracking Your Growth

Every 6 months, check your investments:

Use apps like Coin by Zerodha, Groww, or ET Money
Check the fund’s performance
Don’t change funds too often

If your SIP is performing well, continue. If not, consult a financial advisor.

10. Be Patient: Wealth Takes Time

We all want quick results. But in investing, patience is the real magic.

Even if ₹10 lakh doesn’t happen exactly in 5 years, you’ll still have a good amount — maybe ₹8.5 to ₹9 lakh. Keep investing longer, and you’ll be surprised how fast it grows.

Example: Simple Investment Chart

This is only possible if you invest regularly and choose good funds.

Bonus Tips

Start investing early — even at age 20
Never invest in unknown apps or schemes
Reinvest profits to grow faster
Learn basic personal finance from YouTube, books, or courses
Use goal-based investing — like for a car, wedding, or home

Conclusion: ₹5,000 Can Change Your Future

You don’t need to be rich to start investing. Just ₹5,000 per month, and a little discipline can make you a lakhpati in 5 years.

Start small, stay consistent, and trust the process. Whether your goal is ₹10 lakh or more, the best time to start is today.

Invest smart. Sleep peacefully. Let your money work for you.