What a monthly SIP of ₹500 to ₹1 lakh could grow to over 10, 20 and 30 years at an average 12% a year. Choose an amount for returns at other rates, a 10% yearly step-up and the time to reach ₹1 crore.
SIP value at 12% a year
| Monthly SIP | After 10 years | After 20 years | After 30 years |
|---|---|---|---|
| ₹500 a month | ₹1.16 lakh | ₹5 lakh | ₹17.65 lakh |
| ₹1,000 a month | ₹2.32 lakh | ₹9.99 lakh | ₹35.3 lakh |
| ₹1,500 a month | ₹3.49 lakh | ₹14.99 lakh | ₹52.95 lakh |
| ₹2,000 a month | ₹4.65 lakh | ₹19.98 lakh | ₹70.6 lakh |
| ₹2,500 a month | ₹5.81 lakh | ₹24.98 lakh | ₹88.25 lakh |
| ₹3,000 a month | ₹6.97 lakh | ₹29.97 lakh | ₹1.06 crore |
| ₹4,000 a month | ₹9.29 lakh | ₹39.97 lakh | ₹1.41 crore |
| ₹5,000 a month | ₹11.62 lakh | ₹49.96 lakh | ₹1.76 crore |
| ₹7,500 a month | ₹17.43 lakh | ₹74.94 lakh | ₹2.65 crore |
| ₹10,000 a month | ₹23.23 lakh | ₹99.91 lakh | ₹3.53 crore |
| ₹15,000 a month | ₹34.85 lakh | ₹1.5 crore | ₹5.29 crore |
| ₹20,000 a month | ₹46.47 lakh | ₹2 crore | ₹7.06 crore |
| ₹25,000 a month | ₹58.08 lakh | ₹2.5 crore | ₹8.82 crore |
| ₹30,000 a month | ₹69.7 lakh | ₹3 crore | ₹10.59 crore |
| ₹50,000 a month | ₹1.16 crore | ₹5 crore | ₹17.65 crore |
| ₹1,00,000 a month | ₹2.32 crore | ₹9.99 crore | ₹35.3 crore |
How these figures are worked out
Each instalment is invested at the start of the month and grows at the yearly rate divided by 12, compounded monthly. 12% is an assumption for illustration, not a forecast: equity fund returns change every year and can be negative.
For a figure that is not in the table, or to change the assumptions, use the SIP calculator.
Mutual fund returns are not guaranteed. Equity fund gains above ₹1.25 lakh a year are taxed at 12.5% when held over a year. An estimate.