Estimated maturity value, gains and growth of a ₹50,000 monthly SIP.
If you invest ₹50,000 every month for 10 years in a SIP that earns 12% a year, your investment of ₹60,00,000 could grow to about ₹1,16,16,954 — a gain of ₹56,16,954.
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% | ₹92,08,284 | ₹32,08,284 |
| 10% | ₹1,03,27,601 | ₹43,27,601 |
| 12% | ₹1,16,16,954 | ₹56,16,954 |
| 14% | ₹1,31,04,569 | ₹71,04,569 |
| 15% | ₹1,39,32,864 | ₹79,32,864 |
If you increase your SIP by 10% every year (₹50,000 this year, ₹55,000 next year and so on), you would invest ₹95,62,455 and could end up with about ₹1,68,71,631 — ₹52,54,678 more than a flat SIP.
| Duration | Invested | Value at 12% |
|---|---|---|
| 5 years | ₹30,00,000 | ₹41,24,318 |
| 10 years | ₹60,00,000 | ₹1,16,16,954 |
| 15 years | ₹90,00,000 | ₹2,52,28,800 |
| 20 years | ₹1,20,00,000 | ₹4,99,57,396 |
| 25 years | ₹1,50,00,000 | ₹9,48,81,755 |
| 30 years | ₹1,80,00,000 | ₹17,64,95,689 |
At 12%, a ₹50,000 monthly SIP crosses ₹1 crore in about 10 years.
| Year | Invested | Value |
|---|---|---|
| 1 | ₹6,00,000 | ₹6,40,466 |
| 2 | ₹12,00,000 | ₹13,62,160 |
| 3 | ₹18,00,000 | ₹21,75,382 |
| 4 | ₹24,00,000 | ₹30,91,742 |
| 5 | ₹30,00,000 | ₹41,24,318 |
| 6 | ₹36,00,000 | ₹52,87,852 |
| 7 | ₹42,00,000 | ₹65,98,950 |
| 8 | ₹48,00,000 | ₹80,76,328 |
| 9 | ₹54,00,000 | ₹97,41,075 |
| 10 | ₹60,00,000 | ₹1,16,16,954 |
At an assumed 12% annual return, a ₹50,000 monthly SIP for 10 years could grow to about ₹1,16,16,954. 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.