Every investor dreams of becoming a millionaire quickly.
But due to lack of proper knowledge, many people either lose money or settle for very slow-growing schemes.
Popular options like SIP, PPF, and Gold are considered safe and profitable, but the returns from each vary.
Let’s see how long it will take to reach ₹1 crore if you invest ₹10,000 every month in these three options.
SIP: Systematic Investment Plan
SIP is a way of investing in mutual funds and is ideal for long-term investors.
It allows you to benefit from market ups and downs, though it carries some risk.
Average returns: 12% to 14% per year
With a 12% annual return, a SIP of ₹10,000 per month will take a little over 20 years to reach ₹1 crore.
PPF: Public Provident Fund
PPF is a government-backed scheme that offers safe and guaranteed returns.
The minimum lock-in period is 15 years, with an option to extend in 5-year blocks.
Current interest rate: 7.1%
With this rate, investing ₹10,000 every month will take about 28 years to reach ₹1 crore.
Gold: A Shining Performer
Gold has performed strongly in recent years.
Investors can choose Gold ETFs, which are equal to 99.5% pure gold and are a convenient way to invest.
Gold’s return so far in 2025: 40%
Average long-term return (10 years till August 2025): 13.46% annually
At this rate, a monthly investment of ₹10,000 can reach ₹1 crore in just 14 years.
Conclusion
Fastest Route: Gold (14 years)
Moderate Option: SIP (20 years)
Slowest Growth: PPF (28 years)
Disclaimer: These calculations are based on current returns and interest rates.
Market conditions can change anytime.
Always consult a certified financial advisor before investing.
