Estimated maturity value, gains and growth of a ₹10,000 monthly SIP.
If you invest ₹10,000 every month for 30 years in a SIP that earns 12% a year, your investment of ₹36,00,000 could grow to about ₹3,52,99,138 — a gain of ₹3,16,99,138.
12% is an illustrative long-term equity return. Mutual fund returns are market-linked and not guaranteed.
| Annual return | Value after 30 years | Gains |
|---|---|---|
| 8% | ₹1,50,02,952 | ₹1,14,02,952 |
| 10% | ₹2,27,93,253 | ₹1,91,93,253 |
| 12% | ₹3,52,99,138 | ₹3,16,99,138 |
| 14% | ₹5,55,70,556 | ₹5,19,70,556 |
| 15% | ₹7,00,98,206 | ₹6,64,98,206 |
If you increase your SIP by 10% every year (₹10,000 this year, ₹11,000 next year and so on), you would invest ₹1,97,39,283 and could end up with about ₹8,83,41,236 — ₹5,30,42,098 more than a flat SIP.
| Duration | Invested | Value at 12% |
|---|---|---|
| 5 years | ₹6,00,000 | ₹8,24,864 |
| 10 years | ₹12,00,000 | ₹23,23,391 |
| 15 years | ₹18,00,000 | ₹50,45,760 |
| 20 years | ₹24,00,000 | ₹99,91,479 |
| 25 years | ₹30,00,000 | ₹1,89,76,351 |
| 30 years | ₹36,00,000 | ₹3,52,99,138 |
At 12%, a ₹10,000 monthly SIP crosses ₹1 crore in about 21 years.
| Year | Invested | Value |
|---|---|---|
| 1 | ₹1,20,000 | ₹1,28,093 |
| 2 | ₹2,40,000 | ₹2,72,432 |
| 3 | ₹3,60,000 | ₹4,35,076 |
| 4 | ₹4,80,000 | ₹6,18,348 |
| 5 | ₹6,00,000 | ₹8,24,864 |
| 6 | ₹7,20,000 | ₹10,57,570 |
| 7 | ₹8,40,000 | ₹13,19,790 |
| 8 | ₹9,60,000 | ₹16,15,266 |
| 9 | ₹10,80,000 | ₹19,48,215 |
| 10 | ₹12,00,000 | ₹23,23,391 |
| 11 | ₹13,20,000 | ₹27,46,148 |
| 12 | ₹14,40,000 | ₹32,22,522 |
| 13 | ₹15,60,000 | ₹37,59,311 |
| 14 | ₹16,80,000 | ₹43,64,180 |
| 15 | ₹18,00,000 | ₹50,45,760 |
| 16 | ₹19,20,000 | ₹58,13,782 |
| 17 | ₹20,40,000 | ₹66,79,208 |
| 18 | ₹21,60,000 | ₹76,54,392 |
| 19 | ₹22,80,000 | ₹87,53,254 |
| 20 | ₹24,00,000 | ₹99,91,479 |
| 21 | ₹25,20,000 | ₹1,13,86,742 |
| 22 | ₹26,40,000 | ₹1,29,58,959 |
| 23 | ₹27,60,000 | ₹1,47,30,573 |
| 24 | ₹28,80,000 | ₹1,67,26,872 |
| 25 | ₹30,00,000 | ₹1,89,76,351 |
| 26 | ₹31,20,000 | ₹2,15,11,120 |
| 27 | ₹32,40,000 | ₹2,43,67,362 |
| 28 | ₹33,60,000 | ₹2,75,85,847 |
| 29 | ₹34,80,000 | ₹3,12,12,516 |
| 30 | ₹36,00,000 | ₹3,52,99,138 |
At an assumed 12% annual return, a ₹10,000 monthly SIP for 30 years could grow to about ₹3,52,99,138. 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.