Estimated maturity value, gains and growth of a ₹5,000 monthly SIP.
If you invest ₹5,000 every month for 20 years in a SIP that earns 12% a year, your investment of ₹12,00,000 could grow to about ₹49,95,740 — a gain of ₹37,95,740.
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% | ₹29,64,736 | ₹17,64,736 |
| 10% | ₹38,28,485 | ₹26,28,485 |
| 12% | ₹49,95,740 | ₹37,95,740 |
| 14% | ₹65,81,731 | ₹53,81,731 |
| 15% | ₹75,79,775 | ₹63,79,775 |
If you increase your SIP by 10% every year (₹5,000 this year, ₹5,500 next year and so on), you would invest ₹34,36,500 and could end up with about ₹99,44,358 — ₹49,48,618 more than a flat SIP.
| Duration | Invested | Value at 12% |
|---|---|---|
| 5 years | ₹3,00,000 | ₹4,12,432 |
| 10 years | ₹6,00,000 | ₹11,61,695 |
| 15 years | ₹9,00,000 | ₹25,22,880 |
| 20 years | ₹12,00,000 | ₹49,95,740 |
| 25 years | ₹15,00,000 | ₹94,88,175 |
| 30 years | ₹18,00,000 | ₹1,76,49,569 |
At 12%, a ₹5,000 monthly SIP crosses ₹1 crore in about 26 years.
| Year | Invested | Value |
|---|---|---|
| 1 | ₹60,000 | ₹64,047 |
| 2 | ₹1,20,000 | ₹1,36,216 |
| 3 | ₹1,80,000 | ₹2,17,538 |
| 4 | ₹2,40,000 | ₹3,09,174 |
| 5 | ₹3,00,000 | ₹4,12,432 |
| 6 | ₹3,60,000 | ₹5,28,785 |
| 7 | ₹4,20,000 | ₹6,59,895 |
| 8 | ₹4,80,000 | ₹8,07,633 |
| 9 | ₹5,40,000 | ₹9,74,108 |
| 10 | ₹6,00,000 | ₹11,61,695 |
| 11 | ₹6,60,000 | ₹13,73,074 |
| 12 | ₹7,20,000 | ₹16,11,261 |
| 13 | ₹7,80,000 | ₹18,79,656 |
| 14 | ₹8,40,000 | ₹21,82,090 |
| 15 | ₹9,00,000 | ₹25,22,880 |
| 16 | ₹9,60,000 | ₹29,06,891 |
| 17 | ₹10,20,000 | ₹33,39,604 |
| 18 | ₹10,80,000 | ₹38,27,196 |
| 19 | ₹11,40,000 | ₹43,76,627 |
| 20 | ₹12,00,000 | ₹49,95,740 |
At an assumed 12% annual return, a ₹5,000 monthly SIP for 20 years could grow to about ₹49,95,740. 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.