Estimated maturity value, gains and growth of a ₹500 monthly SIP.
If you invest ₹500 every month for 10 years in a SIP that earns 12% a year, your investment of ₹60,000 could grow to about ₹1,16,170 — a gain of ₹56,170.
12% is an illustrative long-term equity return. Mutual fund returns are market-linked and not guaranteed.
| Annual return | Value after 10 years | Gains |
|---|---|---|
| 8% | ₹92,083 | ₹32,083 |
| 10% | ₹1,03,276 | ₹43,276 |
| 12% | ₹1,16,170 | ₹56,170 |
| 14% | ₹1,31,046 | ₹71,046 |
| 15% | ₹1,39,329 | ₹79,329 |
If you increase your SIP by 10% every year (₹500 this year, ₹550 next year and so on), you would invest ₹95,625 and could end up with about ₹1,68,716 — ₹52,547 more than a flat SIP.
| Duration | Invested | Value at 12% |
|---|---|---|
| 5 years | ₹30,000 | ₹41,243 |
| 10 years | ₹60,000 | ₹1,16,170 |
| 15 years | ₹90,000 | ₹2,52,288 |
| 20 years | ₹1,20,000 | ₹4,99,574 |
| 25 years | ₹1,50,000 | ₹9,48,818 |
| 30 years | ₹1,80,000 | ₹17,64,957 |
| Year | Invested | Value |
|---|---|---|
| 1 | ₹6,000 | ₹6,405 |
| 2 | ₹12,000 | ₹13,622 |
| 3 | ₹18,000 | ₹21,754 |
| 4 | ₹24,000 | ₹30,917 |
| 5 | ₹30,000 | ₹41,243 |
| 6 | ₹36,000 | ₹52,879 |
| 7 | ₹42,000 | ₹65,989 |
| 8 | ₹48,000 | ₹80,763 |
| 9 | ₹54,000 | ₹97,411 |
| 10 | ₹60,000 | ₹1,16,170 |
At an assumed 12% annual return, a ₹500 monthly SIP for 10 years could grow to about ₹1,16,170. You would invest ₹60,000 in total.
No. SIPs in mutual funds are market-linked. The 12% figure is only an illustration; actual returns may be higher or lower.