To accumulate ₹50 lakh in 12 years through mutual fund Systematic Investment Plans (SIPs), consistent financial discipline is key. Depending on the annual rate of return, the total investment required ranges from approximately ₹22.57 lakh to ₹24.26 lakh. For instance, achieving an 11% return necessitates a monthly SIP of about ₹16,844, while a 12% return requires a monthly SIP of around ₹15,671.