Estimated maturity value, gains and growth of a ₹25,000 monthly SIP.
If you invest ₹25,000 every month for 10 years in a SIP that earns 12% a year, your investment of ₹30,00,000 could grow to about ₹58,08,477 — a gain of ₹28,08,477.
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% | ₹46,04,142 | ₹16,04,142 |
| 10% | ₹51,63,801 | ₹21,63,801 |
| 12% | ₹58,08,477 | ₹28,08,477 |
| 14% | ₹65,52,285 | ₹35,52,285 |
| 15% | ₹69,66,432 | ₹39,66,432 |
If you increase your SIP by 10% every year (₹25,000 this year, ₹27,500 next year and so on), you would invest ₹47,81,227 and could end up with about ₹84,35,816 — ₹26,27,339 more than a flat SIP.
| Duration | Invested | Value at 12% |
|---|---|---|
| 5 years | ₹15,00,000 | ₹20,62,159 |
| 10 years | ₹30,00,000 | ₹58,08,477 |
| 15 years | ₹45,00,000 | ₹1,26,14,400 |
| 20 years | ₹60,00,000 | ₹2,49,78,698 |
| 25 years | ₹75,00,000 | ₹4,74,40,877 |
| 30 years | ₹90,00,000 | ₹8,82,47,844 |
At 12%, a ₹25,000 monthly SIP crosses ₹1 crore in about 14 years.
| Year | Invested | Value |
|---|---|---|
| 1 | ₹3,00,000 | ₹3,20,233 |
| 2 | ₹6,00,000 | ₹6,81,080 |
| 3 | ₹9,00,000 | ₹10,87,691 |
| 4 | ₹12,00,000 | ₹15,45,871 |
| 5 | ₹15,00,000 | ₹20,62,159 |
| 6 | ₹18,00,000 | ₹26,43,926 |
| 7 | ₹21,00,000 | ₹32,99,475 |
| 8 | ₹24,00,000 | ₹40,38,164 |
| 9 | ₹27,00,000 | ₹48,70,538 |
| 10 | ₹30,00,000 | ₹58,08,477 |
At an assumed 12% annual return, a ₹25,000 monthly SIP for 10 years could grow to about ₹58,08,477. You would invest ₹30,00,000 in total.
No. SIPs in mutual funds are market-linked. The 12% figure is only an illustration; actual returns may be higher or lower.