What is the 15x15x15 rule in mutual funds?

The 15x15x15 rule states that if you invest ₹15,000 every month via SIP for 15 years at an expected annual return of 15%, your total corpus will grow to approximately ₹1 Crore.

Is a 15% return realistic in Indian mutual funds?

Historically, Indian equity markets (like the Nifty 50 or mid-cap funds) have delivered returns between 12% to 15% over long-term horizons (10+ years), making it a realistic expectation for aggressive equity investors.

Wealth Creation Blueprint

The 15x15x15 Rule of Mutual Funds

A proven, mathematical approach to building ₹1 Crore in wealth through the power of compounding in Indian equities.

Monthly Investment

₹15,000

Systematic Investment Plan

Time Horizon

15 Years

Uninterrupted Compounding

Expected Return

15% p.a.

Historical Equity Average

Total Value ₹0

Total Amount Invested (Over 15 Years) ₹0
Wealth Gained (The Magic of Compounding) ₹0

*Calculations are approximate based on monthly compounding. Mutual fund investments are subject to market risks.

Why the 15x15x15 Rule Works in India

The secret behind the 15x15x15 rule isn’t just the money invested; it’s the exponential power of compounding. During the first few years, your wealth grows linearly. However, as you cross the 7-to-10 year mark, the returns generated on your past returns start eclipsing your actual invested principal.

In the Indian context, historically, benchmark indices like the Nifty 50 and active mid-cap/flexi-cap mutual funds have demonstrated the potential to deliver ~12% to 15% annualized returns over 15+ year horizons. This makes achieving the ₹1 Crore milestone highly realistic for disciplined investors.