Estimated maturity value, gains and growth of a ₹2,000 monthly SIP.
If you invest ₹2,000 every month for 20 years in a SIP that earns 12% a year, your investment of ₹4,80,000 could grow to about ₹19,98,296 — a gain of ₹15,18,296.
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% | ₹11,85,894 | ₹7,05,894 |
| 10% | ₹15,31,394 | ₹10,51,394 |
| 12% | ₹19,98,296 | ₹15,18,296 |
| 14% | ₹26,32,693 | ₹21,52,693 |
| 15% | ₹30,31,910 | ₹25,51,910 |
If you increase your SIP by 10% every year (₹2,000 this year, ₹2,200 next year and so on), you would invest ₹13,74,600 and could end up with about ₹39,77,743 — ₹19,79,447 more than a flat SIP.
| Duration | Invested | Value at 12% |
|---|---|---|
| 5 years | ₹1,20,000 | ₹1,64,973 |
| 10 years | ₹2,40,000 | ₹4,64,678 |
| 15 years | ₹3,60,000 | ₹10,09,152 |
| 20 years | ₹4,80,000 | ₹19,98,296 |
| 25 years | ₹6,00,000 | ₹37,95,270 |
| 30 years | ₹7,20,000 | ₹70,59,828 |
At 12%, a ₹2,000 monthly SIP crosses ₹1 crore in about 33 years.
| Year | Invested | Value |
|---|---|---|
| 1 | ₹24,000 | ₹25,619 |
| 2 | ₹48,000 | ₹54,486 |
| 3 | ₹72,000 | ₹87,015 |
| 4 | ₹96,000 | ₹1,23,670 |
| 5 | ₹1,20,000 | ₹1,64,973 |
| 6 | ₹1,44,000 | ₹2,11,514 |
| 7 | ₹1,68,000 | ₹2,63,958 |
| 8 | ₹1,92,000 | ₹3,23,053 |
| 9 | ₹2,16,000 | ₹3,89,643 |
| 10 | ₹2,40,000 | ₹4,64,678 |
| 11 | ₹2,64,000 | ₹5,49,230 |
| 12 | ₹2,88,000 | ₹6,44,504 |
| 13 | ₹3,12,000 | ₹7,51,862 |
| 14 | ₹3,36,000 | ₹8,72,836 |
| 15 | ₹3,60,000 | ₹10,09,152 |
| 16 | ₹3,84,000 | ₹11,62,756 |
| 17 | ₹4,08,000 | ₹13,35,842 |
| 18 | ₹4,32,000 | ₹15,30,878 |
| 19 | ₹4,56,000 | ₹17,50,651 |
| 20 | ₹4,80,000 | ₹19,98,296 |
At an assumed 12% annual return, a ₹2,000 monthly SIP for 20 years could grow to about ₹19,98,296. You would invest ₹4,80,000 in total.
No. SIPs in mutual funds are market-linked. The 12% figure is only an illustration; actual returns may be higher or lower.