Estimated maturity value, gains and growth of a ₹15,000 monthly SIP.
If you invest ₹15,000 every month for 20 years in a SIP that earns 12% a year, your investment of ₹36,00,000 could grow to about ₹1,49,87,219 — a gain of ₹1,13,87,219.
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% | ₹88,94,208 | ₹52,94,208 |
| 10% | ₹1,14,85,454 | ₹78,85,454 |
| 12% | ₹1,49,87,219 | ₹1,13,87,219 |
| 14% | ₹1,97,45,194 | ₹1,61,45,194 |
| 15% | ₹2,27,39,325 | ₹1,91,39,325 |
If you increase your SIP by 10% every year (₹15,000 this year, ₹16,500 next year and so on), you would invest ₹1,03,09,500 and could end up with about ₹2,98,33,073 — ₹1,48,45,854 more than a flat SIP.
| Duration | Invested | Value at 12% |
|---|---|---|
| 5 years | ₹9,00,000 | ₹12,37,295 |
| 10 years | ₹18,00,000 | ₹34,85,086 |
| 15 years | ₹27,00,000 | ₹75,68,640 |
| 20 years | ₹36,00,000 | ₹1,49,87,219 |
| 25 years | ₹45,00,000 | ₹2,84,64,526 |
| 30 years | ₹54,00,000 | ₹5,29,48,707 |
At 12%, a ₹15,000 monthly SIP crosses ₹1 crore in about 17 years.
| Year | Invested | Value |
|---|---|---|
| 1 | ₹1,80,000 | ₹1,92,140 |
| 2 | ₹3,60,000 | ₹4,08,648 |
| 3 | ₹5,40,000 | ₹6,52,615 |
| 4 | ₹7,20,000 | ₹9,27,523 |
| 5 | ₹9,00,000 | ₹12,37,295 |
| 6 | ₹10,80,000 | ₹15,86,355 |
| 7 | ₹12,60,000 | ₹19,79,685 |
| 8 | ₹14,40,000 | ₹24,22,898 |
| 9 | ₹16,20,000 | ₹29,22,323 |
| 10 | ₹18,00,000 | ₹34,85,086 |
| 11 | ₹19,80,000 | ₹41,19,222 |
| 12 | ₹21,60,000 | ₹48,33,783 |
| 13 | ₹23,40,000 | ₹56,38,967 |
| 14 | ₹25,20,000 | ₹65,46,269 |
| 15 | ₹27,00,000 | ₹75,68,640 |
| 16 | ₹28,80,000 | ₹87,20,673 |
| 17 | ₹30,60,000 | ₹1,00,18,812 |
| 18 | ₹32,40,000 | ₹1,14,81,589 |
| 19 | ₹34,20,000 | ₹1,31,29,881 |
| 20 | ₹36,00,000 | ₹1,49,87,219 |
At an assumed 12% annual return, a ₹15,000 monthly SIP for 20 years could grow to about ₹1,49,87,219. You would invest ₹36,00,000 in total.
No. SIPs in mutual funds are market-linked. The 12% figure is only an illustration; actual returns may be higher or lower.