15x15x15 SIP Formula | Mutual fund | SIP | Crorepati
15x15x15 SIP Formula: Dreaming of becoming a crorepati but not sure where to start? The answer might be simpler than you think. With the right plan, discipline, and a little patience, you can build ₹1 crore in wealth without taking higher risks. Enter the 15x15x15 SIP formula — a powerful investment strategy where you invest ₹15,000 per month for 15 years and aim for a 15% annual return.
This tried-and-tested approach leverages the magic of compounding through mutual fund SIPs, making wealth creation achievable for every investors. In this article, we’ll break down the 15x15x15 rule, show a live example, and explain how you can follow the same path to financial freedom.
💸 15x15x15 SIP Formula to Become a Crorepati: A Simple Path to Wealth
Becoming a crorepati is a dream for many. The good news? You don’t need to worry to get there. Thanks to the power of Systematic Investment Plans (SIPs) and compound interest, there’s a simple formula that can potentially turn small monthly investments into ₹1 crore.
Welcome to the 15x15x15 SIP Formula.
📘 What Is the 15x15x15 Formula?
The 15x15x15 rule is a basic wealth-building concept in personal finance that states:
- Invest ₹15,000/month
- For 15 years
- At an annual return of 15%
Follow this consistently, and you can accumulate ₹1 crore or more thanks to the magic of compounding. It is very easy to reach to your target. But there is only one condition you have to invest for 15 years without gap to reach there.
💡 Why It Works: The Power of Compounding
Compounding means your returns start earning their own returns. Over time, this snowball effect becomes incredibly powerful. The earlier you start, the more time your money has to grow.
When you invest regularly via SIP, you automate this growth and reduce the risks associated with timing the market. Because its very hard to time the market. So it would be advisable to follow a strategy in which you dont need to time the market.
📊 Real Example
Let’s break down how investing ₹15,000 every month for 15 years at an average annual return of 15% grows:
- Monthly SIP: ₹15,000
- Investment Duration: 15 years
- Total Invested Amount: ₹15,000 × 12 × 15 = ₹27,00,000
- Expected Average Annual Return: 15%
- Corpus After 15 Years: ₹1,00,27,601 (₹1 crore approx.)
That’s ₹1 crore from just ₹27 lakhs invested over 15 years! It is just calculation the accumulated amount may vary. It depends how precise you are at choosing fund.
You earn over ₹73 lakh in returns — that’s the power of compounding.
🔁 Variations: What If You Change One of the 15s?
Let’s see how the results vary if you tweak one of the variables:
| Monthly SIP | Duration | Return | Final Corpus |
|---|---|---|---|
| ₹10,000 | 15 years | 15% | ₹66.85 lakhs |
| ₹15,000 | 10 years | 15% | ₹41.79 lakhs |
| ₹15,000 | 15 years | 12% | ₹81.96 lakhs |
| ₹20,000 | 15 years | 15% | ₹1.33 crores |
As you can see, even small increases in SIP amount or investment period can lead to significantly higher wealth. We just tried to what happens if any 15 you change.
🔍 Is 15% Return Realistic?
Historically, equity mutual funds in India (especially mid-cap, small-cap funds and flexi cap) have delivered 12–18% annualized returns over long periods. If you look at returns of fund in recent year like last 3 or 5 years. There are some Mutual Funds that gave a return of more than 20%. It means you have research and you will definitely find some funds up to your expectation. While 15% is not guaranteed, it is a realistic target when investing in diversified equity funds with a long-term view.
Top 5 Mutual Fund with Best Return in Last 3 and 5 years:
Here are five top-performing equity mutual funds with best return. The table shows their latest 1‑year (absolute), 3‑year (CAGR), and 5‑year (CAGR) returns (as of mid‑July 2025): (CAGR=Yearly)
| Fund Name | 1‑Year Return* | 3‑Year CAGR | 5‑Year CAGR |
| Nippon India Small Cap Fund (Growth) | –0.7 % | ~29.4 % | ~37.9 % |
| Motilal Oswal Midcap 30 Fund (Growth) | ~5.3 % | ~32.7 % | ~35.9 % |
| Franklin India Smaller Companies Fund (Growth) | –2.1 % | ~29.1 % | ~34.6 % |
| L&T Emerging Businesses Fund (Growth) | –1.5 % | ~26.4 % | ~35.3 % |
| Quant Small Cap Fund (Direct/Growth) | ~2.3 % | ~28.9 % | ~50.2 % |
It is not a recommendation I have just taken the example of last return to show you that many funds gave good return in last 5 years. So it is possible for you to search fund that may give return of 15%. Always diversify and consult a registered financial advisor before investing.
🧠 Tips to Maximize Your SIP Returns
- Start early – The earlier you start, the more compounding helps you to achieve your target easily.
- Increase SIP annually – A 10% annual step-up can drastically boost your corpus.
- Be consistent – Don’t pause your SIPs during market downturns. Though any downside in market will help your amount bring you more return with Cost averaging.
- Review annually – Ensure the fund is still performing well.
Conclusion
The 15x15x15 SIP formula proves that becoming a crorepati is not a fantasy — it’s possible with discipline in investing. With discipline, patience, and a research to get good fund with good returns. You can achieve financial freedom.
Remember, time in the market beats timing the market.
FAQs
Q. What is the 15x15x15 SIP formula?
A. It’s a simple investment strategy where you invest ₹15,000 per month for 15 years and aim for a 15% annual return. This can potentially grow your investment to ₹1 crore or more.
Q. Is 15% annual return realistic in SIPs?
A. While 15% is not guaranteed, many equity mutual funds—especially mid-cap and small-cap funds—have historically delivered 12–18% returns over the long term. Diversification and fund selection are key.
Q. Can I start with a smaller SIP amount?
A. Yes, you can start with any amount. For example, investing ₹5,000/month for 15 years at 15% return will yield around ₹34 lakh. Increase your SIP as your income grows.
Q. What happens if I miss a few SIPs?
A. Missing a few SIPs won’t break your plan, but regular investing ensures the full benefit of compounding. Many platforms offer “SIP pause” features, but avoid frequent interruptions.
Q. Which mutual fund is best for 15x15x15 SIP?
A. Look for equity mutual funds with consistent long-term performance. Some top-rated funds include Quant Small Cap Fund, Nippon India Small Cap Fund, and Motilal Oswal Midcap 30 Fund. Always consult a financial advisor before investing.