Estimated maturity value, gains and growth of a ₹500 monthly SIP.
If you invest ₹500 every month for 5 years in a SIP that earns 12% a year, your investment of ₹30,000 could grow to about ₹41,243 — a gain of ₹11,243.
12% is an illustrative long-term equity return. Mutual fund returns are market-linked and not guaranteed.
| Annual return | Value after 5 years | Gains |
|---|---|---|
| 8% | ₹36,983 | ₹6,983 |
| 10% | ₹39,041 | ₹9,041 |
| 12% | ₹41,243 | ₹11,243 |
| 14% | ₹43,600 | ₹13,600 |
| 15% | ₹44,841 | ₹14,841 |
If you increase your SIP by 10% every year (₹500 this year, ₹550 next year and so on), you would invest ₹36,631 and could end up with about ₹49,229 — ₹7,985 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 |
At an assumed 12% annual return, a ₹500 monthly SIP for 5 years could grow to about ₹41,243. You would invest ₹30,000 in total.
No. SIPs in mutual funds are market-linked. The 12% figure is only an illustration; actual returns may be higher or lower.