Your goal is to earn 1 crore in 10 years. How do you reach your goal in 10 years? Your students are in the middle class, your family has many people who aim to earn the first 1 crore in life, but not many people are successful fill to achieve the goal. Why? I will tell you about does mistake and how to avoid the mistake, and how to earn 1 crore in 10 years. Also, I will tell you how to achieve your goal faster.
Earn 1 crore
How to save money to earn 1 crore in 10 years
What are you doing to earn money first? Increase that money to earn the maximum level to reach the earning money in your work, and also save your money up to 30-50% of your income and Reduce Expenses so as not to waste your money on silly reasons and how your saving money invest in proper ways to earn 1 crore in 10 years?
1: Systematic Investment Plan (SIP) in Mutual Funds
- Expected Return: 12-15% CAGR (historically for equity funds).
- Monthly SIP Needed:
- At 12% return: ₹43,000/month
- At 15% return: ₹35,000/month
- Best Funds: Large-cap, flexi-cap, or index funds (e.g., Nifty 50).
2: PPF + Equity Mix (Safer Approach)
- PPF (7.1% returns): Max out ₹1.5L/year (safe, tax-free).
- Remaining in Equity: Balance in stocks/MFs for higher growth.
3: Real Estate or Business
- Invest in rental property (requires high initial capital).
- Start a scalable side business (e-commerce, digital products, etc.).
Reduce Expenses & Maximise Savings
- Track spending (use apps like ETMoney, Moneycontrol).
- Cut unnecessary costs (dining out, subscriptions, luxury spending).
- Save at least 30-50% of income.
Compounding
- Start early—even an extra 2-3 years can significantly boost returns.
- Reinvest dividends/interest for exponential growth.
Tax Optimization
- Use 80C (1.5L), NPS, HRA, LTA to save tax.
- Invest in ELSS tax-saving mutual funds.
Example Calculation
| Investment Method | Monthly Investment | Expected Return | Total in 10 Years |
|---|---|---|---|
| SIP (12%) | ₹43,000 | 12% CAGR | ₹1 crore |
| SIP (15%) | ₹35,000 | 15% CAGR | ₹1 crore |
| PPF + Equity | ₹30,000 (PPF) + ₹15,000 (MF) | Mixed returns | ₹1 crore |
How can you reach 1 CR in the next 5 years?
Your goal is to achieve 1 crore in 5 years, which is possible to achieve, but a consistent master in saving paper. important that your income also matters, showing how much money to earn and how much you save from your money in income. i you plan your a smart, invest and save the money, can you reach 1 CR in the next 5 years?
1 CR in the next 5 years money-saving plan
| Income Level | Required Savings | Investment Plan |
|---|---|---|
| ₹2L/month | Save ₹1.5L/month | SIP (₹1L) + Stocks (₹50k) |
| ₹3L/month | Save ₹2L/month | Business (₹1L) + Real Estate (₹50k) + Stocks (₹50k) |
- Cut expenses ruthlessly (no luxury spends, rent optimisation).
- Tax Savings: Use HRA, 80C, 80D to maximise in-hand salary.
Investing plan to reach 1 CR in the next 5 years?
| Monthly Investment | Strategy | Asset Allocation | Expected CAGR | Projected Value (5 yrs) | Risk Level |
|---|---|---|---|---|---|
| ₹1,50,000 | Aggressive Growth | – ₹1L in Equity MF (Small-cap) – ₹25k in Direct Stocks – ₹25k in Crypto/REITs | 20-25% | ~₹1.1 – ₹1.3 Cr | High |
| ₹1,00,000 | Balanced Aggressive | – ₹70k in Equity MF (Flexi-cap) – ₹20k in Gold/SGB – ₹10k in Crypto | 18-20% | ~₹90L – ₹1 Cr | Moderate-High |
| ₹75,000 | SIP + Stocks Focus | – ₹50k in Index Funds – ₹15k in Blue-chip Stocks – ₹10k in Debt (FD/RD) | 15-18% | ~₹75L – ₹85L | Moderate |
| ₹50,000 | Conservative-Aggressive | – ₹35k in Hybrid Funds – ₹10k in PPF – ₹5k in Crypto | 12-15% | ~₹50L – ₹60L | Low-Moderate |
Income > Savings > Investments – Focus on earning more first.
Equity & Business are the only ways to 30%+ CAGR returns.
Avoid debt – High-interest loans will slow you down.
Tax Efficiency – Use LLP/Company structure if the business scales. use this Calculator
How to earn 1 crore per year
It is possible, but you need high skills to achieve this goal. Many people do not make this much money in life, but the indian 1% people earn 1 crore per year. The 1% people have a high-paying job, and the people have a smart investing plan to earn per year eran 1 crore you have a high paying job like a Corporate Jobs (₹8.3L+/month) and Software Engineer (FAANG/Global), AI/ML Specialist (₹30-50L) etc easy to reach 1 crore in per year i will give the you have job like this follow this plan to reach 1 crore per year
Monthly saving and investing plan
| Income Level | Monthly Savings | Investment Split | Projected Growth (1 Year) |
|---|---|---|---|
| ₹1.5L/month | ₹75k | – ₹45k SIP (MFs) – ₹15k Stocks – ₹15k Crypto | ₹9L + 15-25% returns = ₹10-11L |
| ₹3L/month | ₹1.8L | – ₹1L Equity – ₹50k Business – ₹30k Debt | ₹18L + 20% = ₹21-22L |
| ₹5L+/month | ₹3L+ | – ₹2L Stocks/Biz – ₹50k Real Estate – ₹50k Gold | ₹36L + 25% = ₹45L+ |
How to earn 1 cr per month
This is impossible for common people to achieve. The common thing to do is 9a 5 p.m. job. This is not to 9-to-5 job. Doing people’s big money for those people, but you’re doing a side hustle, you’re doing a job, this can earn 1 cr per month
The best plan to earn 1 cr per month
Crypto Futures (20–50% Monthly Returns)
Goal: 20–50% monthly returns → ₹20–50L/month → Compound to ₹1Cr
How It Works
- Trade Bitcoin (BTC), Ethereum (ETH), and Solana (SOL) with 10–20x leverage
- Use technical analysis (RSI, MACD, Fibonacci)
- Follow whale movements (Look at CoinGlass, Bybit Open Interest)
Example
- Capital: ₹10L
- 5% daily return → ₹50K/day → ₹15L/month
- Reinvest → ₹30L next month → ₹1Cr in 4–5 months
Risks
- Extreme volatility (can lose 100% in hours)
- Exchange hacks, regulatory risks
Penny Stock Swing Trading (100–500% Returns)
Goal: 10–20% weekly returns → ₹40–80L/month
How It Works
- Identify low-float, high-volume penny stocks (₹10–50 range)
- Trade breakouts, news pumps
- Exit before manipulators dump
Example
- Buy 1L shares at ₹20 → Sell at ₹40 = ₹20L profit
- Repeat 5 trades/month → ₹1Cr+
Risks
- Pump & dump schemes
- Liquidity issues
Private Equity / Angel Investing (10–100X Returns)
Goal: Invest in early-stage startups, exit at 10–100X
How It Works
- Invest ₹5–10L in 5–10 startups
- Wait for funding rounds/acquisition
- Example: ₹10L in a startup → ₹1Cr+ exit in 1–2 years
Risks
- 90% startups fail
- Illiquid (can’t exit early)
Monthly Execution Plan (₹1Cr Target)
| Week | Activity | Daily Target | Monthly Goal |
|---|---|---|---|
| Week 1 | Day trading (F&O) | ₹2L/day | ₹10L |
| Week 2 | Crypto futures | ₹3L/day | ₹15L |
| Week 3 | Penny stocks | ₹5L/trade | ₹20L |
| Week 4 | Reinvest profits | ₹10L/day | ₹50L |
| Month 2+ | Compound aggressively | ₹20L/day | ₹1Cr |
How to earn 1 crore per day
This is impossible to earn 1 crore per day, but earn like the top 1% people earn this money per day, but not everyone can earn this money. Do you need the best business plan or big capital to earn this money in trading or investing?
Capital Needed to Earn ₹1Cr/Day:
| Asset Class | Daily Return Needed | Capital Required | Risk Level |
|---|---|---|---|
| Stock Market | 0.5-1% daily | ₹100-200Cr | Extreme (90% lose money) |
| Crypto | 2-5% daily | ₹20-50Cr | Insanely high |
| Derivatives (F&O) | 5-10% daily | ₹10-20Cr | Gambling-level |
Business Models That Can Generate ₹1Cr/Day:
| Industry | How It Works | Example | Timeframe |
|---|---|---|---|
| Tech (SaaS/AI) | Recurring revenue (₹30-50L/day from 10K+ customers) | Freshworks, Zoho | 5-10 years |
| E-commerce | High-ticket sales (Sell 1,000 items at ₹10K profit each) | Nykaa, Boat | 3-7 years |
| Content/Apps | 10M+ users with ads/subscriptions (₹10-50L/day ad revenue) | Disney+ Hotstar | 2-5 years |
| FinTech | Transaction fees (1M+ transactions/day at ₹10 profit each) | Paytm, PhonePe | 5+ years |
FAQs
1. Is it really possible to earn ₹1 crore/month from a side hustle?
Yes, but only with scalable models and aggressive execution.
2. How long does it take to reach ₹1 crore/month?
6–24 months for most people, depending on scaling speed, reinvestment, and luck.
3. Can I achieve this without quitting my job?
Yes, but it requires extreme time management (20–30 hrs/week) and outsourcing tasks to a team.
4. What’s the biggest mistake to avoid?
Scaling too fast without profitability—focus on unit economics (e.g., ₹2 revenue for every ₹1 spent).
Conclusion
Earning ₹1 crore per month is achievable through scalable side hustles, smart investments, and relentless execution but requires high-ticket strategies, automation, and disciplined reinvestment Read more