Estimated maturity value, gains and growth of a ₹20,000 monthly SIP.
If you invest ₹20,000 every month for 5 years in a SIP that earns 12% a year, your investment of ₹12,00,000 could grow to about ₹16,49,727 — a gain of ₹4,49,727.
12% is an illustrative long-term equity return. Mutual fund returns are market-linked and not guaranteed.
| Annual return | Value after 5 years | Gains |
|---|---|---|
| 8% | ₹14,79,334 | ₹2,79,334 |
| 10% | ₹15,61,648 | ₹3,61,648 |
| 12% | ₹16,49,727 | ₹4,49,727 |
| 14% | ₹17,44,015 | ₹5,44,015 |
| 15% | ₹17,93,634 | ₹5,93,634 |
If you increase your SIP by 10% every year (₹20,000 this year, ₹22,000 next year and so on), you would invest ₹14,65,224 and could end up with about ₹19,69,141 — ₹3,19,413 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 |
At an assumed 12% annual return, a ₹20,000 monthly SIP for 5 years could grow to about ₹16,49,727. You would invest ₹12,00,000 in total.
No. SIPs in mutual funds are market-linked. The 12% figure is only an illustration; actual returns may be higher or lower.