Want ₹2 Crore in 15 Years? Here’s Your 2025 Investment Roadmap
Saving ₹2 crore sounds ambitious. But with discipline, tax planning, and SIPs, it’s doable—even for middle-income earners. Let’s decode how much you need to save in 2025 and how income tax rules can boost your returns.
How Much Should You Save Monthly?
To reach ₹2 crore in 15 years, your investment amount depends on expected returns. Here’s a simple table:
| Expected Return (p.a.) | Monthly SIP Needed |
|---|---|
| 10% (Moderate) | ₹27,000 |
| 12% (Aggressive) | ₹21,000 |
| 15% (High-growth) | ₹18,000 |
Income Tax Benefits for 2025 Investors
Use these smart deductions to boost net returns:
1. Section 80C (Max ₹1.5 lakh)
- ELSS mutual funds (also give equity exposure)
- PPF, EPF, 5-year FD
- Life insurance premium
2. Section 80CCD(1B): ₹50,000
- Invest in NPS to save more tax beyond 80C
3. Capital Gains Exemption
- Use Section 54F for real estate reinvestment
- Track Section 10(38) for exempt LTCG on shares (up to ₹1 lakh)
4. New vs Old Tax Regime (AY 2026–27)
| Income | Old Regime (with 80C, 80CCD) | New Regime |
|---|---|---|
| ₹10 lakh | ₹78,000 | ₹54,600 |
| ₹15 lakh | ₹1,56,000 | ₹1,04,000 |
✅ New regime may work if you don’t claim deductions.
“A ₹21,000 SIP gives far better results if you also claim 80C and avoid exit load on ELSS. Don’t just chase returns—cut taxes too.”
— CA Meera Venkatesan, SEBI RIA & Tax Advisor
SIP vs FD vs PPF: What’s Better?
| Criteria | SIP (ELSS) | FD | PPF |
|---|---|---|---|
| Return Rate | 12–15% | 6.5–7% | 7.1% |
| Lock-in | 3 yrs | 5 yrs | 15 yrs |
| Tax Benefit | 80C | 80C | 80C |
| Tax on Returns | LTCG @10% | Taxable | Tax-free |
✅ SIP wins on flexibility and returns, especially under Section 80C.
Want ₹2 crore in 15 years? Start a SIP of ₹18,000/month in 2025. Use 80C, 80CCD, and ELSS funds to save tax and build long-term wealth.