An investment of ₹11,000 per month in an SIP at an assumed return rate of 12% per annum can help one achieve the ₹1 crore target in 20 years. The total principal one would invest over this period amounts to ₹26.4 lakh. The compounding returns on this investment would add to ₹83.5 lakh, bringing the total corpus to ₹1.09 crore.