Estimated maturity value, gains and growth of a ₹50,000 monthly SIP.
If you invest ₹50,000 every month for 20 years in a SIP that earns 12% a year, your investment of ₹1,20,00,000 could grow to about ₹4,99,57,396 — a gain of ₹3,79,57,396.
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% | ₹2,96,47,361 | ₹1,76,47,361 |
| 10% | ₹3,82,84,845 | ₹2,62,84,845 |
| 12% | ₹4,99,57,396 | ₹3,79,57,396 |
| 14% | ₹6,58,17,314 | ₹5,38,17,314 |
| 15% | ₹7,57,97,749 | ₹6,37,97,749 |
If you increase your SIP by 10% every year (₹50,000 this year, ₹55,000 next year and so on), you would invest ₹3,43,65,000 and could end up with about ₹9,94,43,577 — ₹4,94,86,181 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 |
| 11 | ₹66,00,000 | ₹1,37,30,741 |
| 12 | ₹72,00,000 | ₹1,61,12,609 |
| 13 | ₹78,00,000 | ₹1,87,96,557 |
| 14 | ₹84,00,000 | ₹2,18,20,898 |
| 15 | ₹90,00,000 | ₹2,52,28,800 |
| 16 | ₹96,00,000 | ₹2,90,68,910 |
| 17 | ₹1,02,00,000 | ₹3,33,96,041 |
| 18 | ₹1,08,00,000 | ₹3,82,71,962 |
| 19 | ₹1,14,00,000 | ₹4,37,66,271 |
| 20 | ₹1,20,00,000 | ₹4,99,57,396 |
At an assumed 12% annual return, a ₹50,000 monthly SIP for 20 years could grow to about ₹4,99,57,396. You would invest ₹1,20,00,000 in total.
No. SIPs in mutual funds are market-linked. The 12% figure is only an illustration; actual returns may be higher or lower.