Estimated maturity value, gains and growth of a ₹25,000 monthly SIP.
If you invest ₹25,000 every month for 20 years in a SIP that earns 12% a year, your investment of ₹60,00,000 could grow to about ₹2,49,78,698 — a gain of ₹1,89,78,698.
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% | ₹1,48,23,680 | ₹88,23,680 |
| 10% | ₹1,91,42,423 | ₹1,31,42,423 |
| 12% | ₹2,49,78,698 | ₹1,89,78,698 |
| 14% | ₹3,29,08,657 | ₹2,69,08,657 |
| 15% | ₹3,78,98,874 | ₹3,18,98,874 |
If you increase your SIP by 10% every year (₹25,000 this year, ₹27,500 next year and so on), you would invest ₹1,71,82,500 and could end up with about ₹4,97,21,789 — ₹2,47,43,091 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 |
| 11 | ₹33,00,000 | ₹68,65,370 |
| 12 | ₹36,00,000 | ₹80,56,304 |
| 13 | ₹39,00,000 | ₹93,98,279 |
| 14 | ₹42,00,000 | ₹1,09,10,449 |
| 15 | ₹45,00,000 | ₹1,26,14,400 |
| 16 | ₹48,00,000 | ₹1,45,34,455 |
| 17 | ₹51,00,000 | ₹1,66,98,021 |
| 18 | ₹54,00,000 | ₹1,91,35,981 |
| 19 | ₹57,00,000 | ₹2,18,83,135 |
| 20 | ₹60,00,000 | ₹2,49,78,698 |
At an assumed 12% annual return, a ₹25,000 monthly SIP for 20 years could grow to about ₹2,49,78,698. You would invest ₹60,00,000 in total.
No. SIPs in mutual funds are market-linked. The 12% figure is only an illustration; actual returns may be higher or lower.