A ₹5,000 monthly SIP with 12% expected returns can turn a person into a crorepati in 26 years. With gold investments, it'll take 29 years to become a crorepati with ₹5,000 monthly gold SIP at 10% expected returns (based on historical data). A ₹5,000 monthly SIP with 10% annual step-up can make a person a crorepati in 20.5 years.