Estimated maturity value, gains and growth of a ₹20,000 monthly SIP.
If you invest ₹20,000 every month for 20 years in a SIP that earns 12% a year, your investment of ₹48,00,000 could grow to about ₹1,99,82,958 — a gain of ₹1,51,82,958.
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% | ₹1,18,58,944 | ₹70,58,944 |
| 10% | ₹1,53,13,938 | ₹1,05,13,938 |
| 12% | ₹1,99,82,958 | ₹1,51,82,958 |
| 14% | ₹2,63,26,926 | ₹2,15,26,926 |
| 15% | ₹3,03,19,099 | ₹2,55,19,099 |
If you increase your SIP by 10% every year (₹20,000 this year, ₹22,000 next year and so on), you would invest ₹1,37,46,000 and could end up with about ₹3,97,77,431 — ₹1,97,94,473 more than a flat SIP.
| Duration | Invested | Value at 12% |
|---|---|---|
| 5 years | ₹12,00,000 | ₹16,49,727 |
| 10 years | ₹24,00,000 | ₹46,46,782 |
| 15 years | ₹36,00,000 | ₹1,00,91,520 |
| 20 years | ₹48,00,000 | ₹1,99,82,958 |
| 25 years | ₹60,00,000 | ₹3,79,52,702 |
| 30 years | ₹72,00,000 | ₹7,05,98,275 |
At 12%, a ₹20,000 monthly SIP crosses ₹1 crore in about 15 years.
| Year | Invested | Value |
|---|---|---|
| 1 | ₹2,40,000 | ₹2,56,187 |
| 2 | ₹4,80,000 | ₹5,44,864 |
| 3 | ₹7,20,000 | ₹8,70,153 |
| 4 | ₹9,60,000 | ₹12,36,697 |
| 5 | ₹12,00,000 | ₹16,49,727 |
| 6 | ₹14,40,000 | ₹21,15,141 |
| 7 | ₹16,80,000 | ₹26,39,580 |
| 8 | ₹19,20,000 | ₹32,30,531 |
| 9 | ₹21,60,000 | ₹38,96,430 |
| 10 | ₹24,00,000 | ₹46,46,782 |
| 11 | ₹26,40,000 | ₹54,92,296 |
| 12 | ₹28,80,000 | ₹64,45,043 |
| 13 | ₹31,20,000 | ₹75,18,623 |
| 14 | ₹33,60,000 | ₹87,28,359 |
| 15 | ₹36,00,000 | ₹1,00,91,520 |
| 16 | ₹38,40,000 | ₹1,16,27,564 |
| 17 | ₹40,80,000 | ₹1,33,58,417 |
| 18 | ₹43,20,000 | ₹1,53,08,785 |
| 19 | ₹45,60,000 | ₹1,75,06,508 |
| 20 | ₹48,00,000 | ₹1,99,82,958 |
At an assumed 12% annual return, a ₹20,000 monthly SIP for 20 years could grow to about ₹1,99,82,958. You would invest ₹48,00,000 in total.
No. SIPs in mutual funds are market-linked. The 12% figure is only an illustration; actual returns may be higher or lower.