Become a crorepati by investing 5k

How To Become A Crorepati By Investing Rs. 5000 Per Month In 22 Years

If I say you can become a crorepati just by investing Rs. 5000 only per month for 22 years non-stop in a mutual fund that gives a 15% CAGR. That is if you start investing 5k every month starting your 18th birthday, you will become a crorepati by the age of 40. How amazing is this? In this post, we will discuss how it is possible and how everyone including YOU can do it with the discipline of keep investing. Keep reading to become a crorepati.

How to become a crorepati in 22 years by investing 5k every month easily?

The easiest way to become a crorepati just by investing 5K a month is to keep investing 5k every month for 22 years in a mutual fund that gives 15% CAGR (compounded annual growth rate). You will become crorepati for sure provided you keep investing for the said amount of time. We will discuss in detail what is a mutual fund, how to choose one, what to look for, what to avoid, and many other topics.

Become a crorepati by investing 5k
Become a crorepati by investing 5k

As you can see in the above photo if you keep investing Rs. 5000 every month for the next 22 years, you will invest a total of Rs. 13,20,000 with an estimated return of Rs. 90,33,295 which makes a total of Rs. 1,03,53,295. You might be wondering how it is possible to get a return of 90 lakhs by investing just 13 lakhs? We will discuss all these step by step but we will see from the basics first.

What is a mutual fund?

Without going very technical, I will try to explain everything in very simple words so that common people like you and me can understand. A mutual fund is a pool of funds from a group of people that is invested in different tools like the stock market, debt market, bonds, etc. The fund is managed by an individual or a group of people whose sole job is to find which stock, bond, debt is the best to invest. The people giving money in this pool are those who either don’t have time to research or who want minimum risks.

Since your money is managed by other people, the people handling your fund charge you a fee which is called the expense ratio. Apart from this, there are other charges like fees for the exchange, state, center, GST of the fees. All these are deducted before your money is invested.

Which type of mutual fund you should invest in?

Since you are going to invest for 22 years, I will assume you are young and ready to take some risks. You should invest only in equity mutual funds. Within the equity mutual funds, you will find many types like index funds, large-cap, mid-cap, small-cap, Flexi cap, tax savings, etc.

While you are confused about all these types, one of the best ways to narrow down the list is to write down what are your preferences and requirements. I am listing down my requirements and preferences below:

  • Relatively low expense ratio.
  • Consistent return over the long period of time.
  • Reliable AMC (Asset Management Company).
  • Relatively lower crash when a crash happens.
Relatively low expense ration

Index funds, also known as passive funds, offer the lowest expense ratio. Out of all the index funds, Navi nifty 50 has the lowest expense ratio in India (0.06%). Index funds have the lowest risks and subsequently lower returns.

Flexi-cap funds tend to have one of the highest expense ratios. All other types have an expense ratio in between the two.

Consistent return over the long period of time

Index funds are the symbols of consistent return over a long period of time. If the NIFTY index is crashed and is never back up, take it as the end of the world. At this point, you won’t need to worry about your mutual fund return rates.

Other sectoral funds tend to give higher returns in short term and miss returns in some years which is not consistent. For example, technology and IT mutual funds are climbing the return mountain over the past two or so years but if you look at the previous periods, they were almost flat with very small returns. Such types tend to have swing returns. You need to have a sense of the sector rotation and market knowledge to understand which one is the best.

Reliable AMC

It is plain and simple that you would want someone who is trustable when handling your hard earn money. Similarly, you should think of a trustable firm that is handling the mutual fund. ICICI, AXIS Bank, SBI, Parag Parikh, Tata, etc.

Relative lower crash when there is a crash

When there is a crash, make sure your fund is not going to be the worst-hit fund. NIFTY will show you the average crash and if your fund is an index fund, it will be the crash rate. If your fund is an active fund and if it is above the NIFTY crash rate, you did a good job.

Which mutual fund you should invest?

If you are in for the long game, you should prepare for a marathon, not a sprint. If you believe your mutual fund can offer a sprint performance over the 22 years you can invest them too. Otherwise, index funds are the best as advised by many people. Navi NIFTY 50 Direct Index Fund is the best because of the low expense ratio. It is also handled by the founder of Flipkart.

I personally invest in Index Funds and Parag Parikh Flexi Cap Direct-Growth Mutual fund. This has a very high expense ratio. If you are ok with this, you can invest in this. This is because of the fact that it invests in US tech stocks apart from the top Indian stocks.

Which broker is the best to invest in mutual fund?

I personally use 3 brokers to invest in mutual funds: Upstox, Fyers, and Groww. I am using these three because I find it very handy and easy to invest in. For complete beginners, I will recommend Groww but Upstox is a very good broker with one of the fastest-growing userbases. Fyers is one of the most innovative brokers that provide features that are not available in other brokers. If you are investing in mutual funds, sooner or later you will step into the stocks market yourself.

When you start investing, Upstox and Fyers are far more powerful. All of them are currently offering free account opening, free AMC lifetime and you should register it as it is a limited-time offer. Click the respective links below to signup now.

Click here to sign up on and get 30 days free brokerage and get free delivery brokerage lifetime, free lifetime account.

Click here to sign up on and get free account, free AMC for life.

Click here to sign up on Groww and get Rs. 100 for free along with free AMC and free account opening.

If you are having any problem contact me or you can contact them. Make sure all the required documents are ready. To know what are the required documents, check out this article here.

How it is possible to get 90 lakhs return with an investment of 10 lakhs only?

The magic behind the 90 lakhs return with an investment of only 10 lakhs is because of the time (most important), return rate, and consistency. In the above image, you can if you invest 5k for 22 years at 15%, you will get a total of 1 crore. Let’s see by changing it to 21 years, 23 years, etc.

As you can see in the above photos, a year more at 15% means you will get another 20 lakhs, one less year means you are 12 lakhs short of being a crorepati. You took 22 years for the first crorepati but it will take only 5 years for the next crore and only 4 years for the third crore.

A percentage decrease i.e. 14% for the next 22 years means you are 12 lakhs short of being a crorepati. When 15% gives you 3 crore, with a 14%, you will only have 2.4 cr with the same period of investment.

A percentage increase i.e. 16% means you will be a crorepati in 21 years with 5k/month investment. If you keep investing for 29 years, you will get 3.77 cr.

With the above numbers, you know the power of compounding and consistency. Check out the table below to have a full look and absorb the full gravity of the time and consistency.

Number of years/Rate
(with 5k/mon)
20Rs. 65,81,73175,79,775Rs. 87,47,304
21Rs. 76,29,41188,63,364Rs. 1,03,19,672
22Rs. 88,33,5531,03,53,295Rs. 1,21,62,913
23Rs. 1,02,17,5241,20,82,739Rs. 1,43,23,691
24Rs. 1,18,08,1811,40,90,200Rs. 1,68,56,708

I don’t have any money to invest

Well, no one has any money to invest until they know the true meaning of investment and has the eagerness to earn money. I didn’t know about investing when I was 18-20 years old, I didn’t have huge demands on my parents and my parents always insisted I focus on my studies.

Even during those times, it was really hard for normal people to earn money online due to restrictions in sending and receiving money from abroad or even within India. Nowadays, it has become much easier like e-commerce, blogging, YouTube, freelancing work, etc.

If you want to know more about such ideas and contents, send me emails and if there is enough interest, I will write more about it. You only need to earn Rs. 5000 per month as you can still ask your parents for other expenses. Of course, once you successfully earned 5k, there is no one except you holding from earning more.

Is one crore in 22 years by investing just 5k per month guranteed?

In the world of investing there is no such thing as guaranteed. There are so many factors that can and will affect the return rate. One year it may be 25%, another year it may be 8%, another year it may even go negative. This is why long-term investment is very important as it will average out all the years and the chances of your loss over the long period of time is very low.

Should you invest only in mutual funds?

The answer is an absolute NOT. You should always look for new investment opportunities and you should also try to invest in individual stocks which you know very well like Jio, Airtel, SBI, ICICI, HDFC, HUL, etc. I am just mentioning names not saying you should invest in these. You should also keep in touch with the latest technologies and try to invest a very small amount in these techs like blockchain, crypto, etc.

For crypto, I recommend you check out Vauld. I have written a detailed review of the Vauld. You can check it out by clicking here.

You should also keep some amount in liquid funds like a savings account, FD, etc. so that you won’t need to remove your investments in mutual funds. Also, invest in insurance, alternative investment platforms like trade cred. You can check out the full review of tradecred by clicking the link below.

This way, you are diversifying your investments to minimize your risks if anything goes wrong in any section. Diversifying in multiple asset classes will make sure that you stay in crorepati lane. Too much concentration will increase your investment tire being punctured while chasing for the crore destination.

That’s it for today. If you liked this, don’t forget to share it with your friends. If you have any confusion, you can contact me. Don’t forget to check out other tools below.

My Favorite Stock Trading/Investment Tools

TradeCred Review – Best Invoice Discounting Platform In India?

Best stock brokers for beginners in India.

Smallcase subscriptions for free.

Best broker and mutual fund investment for beginners – Groww – Click here to signup, activate your Demat account & Get Rs. 100 for free.

Best stock brokers for day trading –Upstox, (Free account, Free AMC)

Best charting platform –

Trusted Forex broker for Indians – (Zero swap charges).

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Invest in Indian startups using TykeInvest.


Disclaimer: All investment strategies and investments involve risk of loss. Nothing contained in this website should be construed as investment advice. Any reference to an investment’s past or potential performance is not, and should not be construed as, a recommendation or as a guarantee of any specific outcome or profit. Any ideas or strategies discussed herein should not be undertaken by any individual without prior consultation with a financial professional for the purpose of assessing whether the ideas or strategies that are discussed are suitable to you based on your own personal financial objectives, needs, and risk tolerance.

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