Estimated maturity value, gains and growth of a ₹500 monthly SIP.
If you invest ₹500 every month for 20 years in a SIP that earns 12% a year, your investment of ₹1,20,000 could grow to about ₹4,99,574 — a gain of ₹3,79,574.
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% | ₹2,96,474 | ₹1,76,474 |
| 10% | ₹3,82,848 | ₹2,62,848 |
| 12% | ₹4,99,574 | ₹3,79,574 |
| 14% | ₹6,58,173 | ₹5,38,173 |
| 15% | ₹7,57,977 | ₹6,37,977 |
If you increase your SIP by 10% every year (₹500 this year, ₹550 next year and so on), you would invest ₹3,43,650 and could end up with about ₹9,94,436 — ₹4,94,862 more than a flat SIP.
| Duration | Invested | Value at 12% |
|---|---|---|
| 5 years | ₹30,000 | ₹41,243 |
| 10 years | ₹60,000 | ₹1,16,170 |
| 15 years | ₹90,000 | ₹2,52,288 |
| 20 years | ₹1,20,000 | ₹4,99,574 |
| 25 years | ₹1,50,000 | ₹9,48,818 |
| 30 years | ₹1,80,000 | ₹17,64,957 |
| Year | Invested | Value |
|---|---|---|
| 1 | ₹6,000 | ₹6,405 |
| 2 | ₹12,000 | ₹13,622 |
| 3 | ₹18,000 | ₹21,754 |
| 4 | ₹24,000 | ₹30,917 |
| 5 | ₹30,000 | ₹41,243 |
| 6 | ₹36,000 | ₹52,879 |
| 7 | ₹42,000 | ₹65,989 |
| 8 | ₹48,000 | ₹80,763 |
| 9 | ₹54,000 | ₹97,411 |
| 10 | ₹60,000 | ₹1,16,170 |
| 11 | ₹66,000 | ₹1,37,307 |
| 12 | ₹72,000 | ₹1,61,126 |
| 13 | ₹78,000 | ₹1,87,966 |
| 14 | ₹84,000 | ₹2,18,209 |
| 15 | ₹90,000 | ₹2,52,288 |
| 16 | ₹96,000 | ₹2,90,689 |
| 17 | ₹1,02,000 | ₹3,33,960 |
| 18 | ₹1,08,000 | ₹3,82,720 |
| 19 | ₹1,14,000 | ₹4,37,663 |
| 20 | ₹1,20,000 | ₹4,99,574 |
At an assumed 12% annual return, a ₹500 monthly SIP for 20 years could grow to about ₹4,99,574. You would invest ₹1,20,000 in total.
No. SIPs in mutual funds are market-linked. The 12% figure is only an illustration; actual returns may be higher or lower.