Oct 04, 2025, 11:16:40 AM IST

For many investors, building a corpus of Rs 2 crore in 20 years is a major financial milestone. But how much should you set aside each month to achieve it?

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Experts always stress the importance of aligning your investments with your financial goals, time horizon, and risk appetite.

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To reach Rs 2 crore in 20 years—with Rs 1 lakh lumpsum investment —you need to invest Rs 20,890 every month, assuming an annual return of 12%. (Source: Value Research)

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Over two decades, your total investment would be Rs 51.13 lakh. The rest of the target amount will be generated through market returns.

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Compounding helps your money grow faster by generating returns on both your principal and earned interest. The longer you stay invested, the greater the benefit.

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Starting early gives your investments more time to grow. Even small amounts invested at the right time can outperform larger amounts invested later.

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Your asset mix and comfort with risk play an important role in your long-term financial strategy. These factors must be part of your planning.

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