According to NDTV Profit, a person can accumulate ₹1 crore before 35 through step-up SIP starting at ₹25,000 per month. A person must start at 24 and step up the SIP by 10% annually for a duration of 11 years. Estimated returns on the invested amount of ₹55 lakh will be around ₹47 lakh at 12% annual growth rate.