A person needs to invest ₹15,000 every month for 30 years in an SIP at an expected average annual return of 12% to build a corpus of around ₹5 crore. At the expected annual return the investor will have to contribute ₹54 lakh over three decades. The investor gains around ₹4.75 crore through returns, building a total ₹5.29 crore corpus.