A person must invest ₹1 lakh/month between EPF and SIPs to be able to earn ₹10 crore in 15 years. However, for people earning at least ₹1 lakh, a ₹24,000 (employee+employer) EPF contribution and a ₹25,000-30,000 monthly SIP will help them earn ₹3.5-4 crore in 15 years. Compounding could help the person earn ₹10 crore in 21-22 years, Moneycontrol reported.