Estimated maturity value, gains and growth of a ₹1,000 monthly SIP.
If you invest ₹1,000 every month for 20 years in a SIP that earns 12% a year, your investment of ₹2,40,000 could grow to about ₹9,99,148 — a gain of ₹7,59,148.
12% is an illustrative long-term equity return. Mutual fund returns are market-linked and not guaranteed.
| Annual return | Value after 20 years | Gains |
|---|---|---|
| 8% | ₹5,92,947 | ₹3,52,947 |
| 10% | ₹7,65,697 | ₹5,25,697 |
| 12% | ₹9,99,148 | ₹7,59,148 |
| 14% | ₹13,16,346 | ₹10,76,346 |
| 15% | ₹15,15,955 | ₹12,75,955 |
If you increase your SIP by 10% every year (₹1,000 this year, ₹1,100 next year and so on), you would invest ₹6,87,300 and could end up with about ₹19,88,872 — ₹9,89,724 more than a flat SIP.
| Duration | Invested | Value at 12% |
|---|---|---|
| 5 years | ₹60,000 | ₹82,486 |
| 10 years | ₹1,20,000 | ₹2,32,339 |
| 15 years | ₹1,80,000 | ₹5,04,576 |
| 20 years | ₹2,40,000 | ₹9,99,148 |
| 25 years | ₹3,00,000 | ₹18,97,635 |
| 30 years | ₹3,60,000 | ₹35,29,914 |
At 12%, a ₹1,000 monthly SIP crosses ₹1 crore in about 39 years.
| Year | Invested | Value |
|---|---|---|
| 1 | ₹12,000 | ₹12,809 |
| 2 | ₹24,000 | ₹27,243 |
| 3 | ₹36,000 | ₹43,508 |
| 4 | ₹48,000 | ₹61,835 |
| 5 | ₹60,000 | ₹82,486 |
| 6 | ₹72,000 | ₹1,05,757 |
| 7 | ₹84,000 | ₹1,31,979 |
| 8 | ₹96,000 | ₹1,61,527 |
| 9 | ₹1,08,000 | ₹1,94,822 |
| 10 | ₹1,20,000 | ₹2,32,339 |
| 11 | ₹1,32,000 | ₹2,74,615 |
| 12 | ₹1,44,000 | ₹3,22,252 |
| 13 | ₹1,56,000 | ₹3,75,931 |
| 14 | ₹1,68,000 | ₹4,36,418 |
| 15 | ₹1,80,000 | ₹5,04,576 |
| 16 | ₹1,92,000 | ₹5,81,378 |
| 17 | ₹2,04,000 | ₹6,67,921 |
| 18 | ₹2,16,000 | ₹7,65,439 |
| 19 | ₹2,28,000 | ₹8,75,325 |
| 20 | ₹2,40,000 | ₹9,99,148 |
At an assumed 12% annual return, a ₹1,000 monthly SIP for 20 years could grow to about ₹9,99,148. You would invest ₹2,40,000 in total.
No. SIPs in mutual funds are market-linked. The 12% figure is only an illustration; actual returns may be higher or lower.