Investing ₹20,000 a month through a SIP for 10 years at an average return of 12% a year grows to about ₹46.47 lakh. You put in ₹24 lakh, so ₹22.47 lakh is returns. Keep going for 20 years and it could reach ₹2 crore.
₹20,000 monthly SIP after 10 years (12% a year)
₹46,46,782
- You invest
- ₹24 lakh
- Returns
- ₹22.47 lakh
- After 20 years
- ₹2 crore
₹20,000 SIP returns by years and rate
| Years | 8% a year | 10% a year | 12% a year | 15% a year |
|---|---|---|---|---|
| 5 years | ₹14.79 lakh | ₹15.62 lakh | ₹16.5 lakh | ₹17.94 lakh |
| 10 years | ₹36.83 lakh | ₹41.31 lakh | ₹46.47 lakh | ₹55.73 lakh |
| 15 years | ₹69.67 lakh | ₹83.58 lakh | ₹1.01 crore | ₹1.35 crore |
| 20 years | ₹1.19 crore | ₹1.53 crore | ₹2 crore | ₹3.03 crore |
| 25 years | ₹1.91 crore | ₹2.68 crore | ₹3.8 crore | ₹6.57 crore |
| 30 years | ₹3 crore | ₹4.56 crore | ₹7.06 crore | ₹14.02 crore |
Money invested vs returns at 12%
| Years | You invest | Returns | Value |
|---|---|---|---|
| 5 years | ₹12 lakh | ₹4.5 lakh | ₹16.5 lakh |
| 10 years | ₹24 lakh | ₹22.47 lakh | ₹46.47 lakh |
| 15 years | ₹36 lakh | ₹64.92 lakh | ₹1.01 crore |
| 20 years | ₹48 lakh | ₹1.52 crore | ₹2 crore |
| 25 years | ₹60 lakh | ₹3.2 crore | ₹3.8 crore |
| 30 years | ₹72 lakh | ₹6.34 crore | ₹7.06 crore |
At 12% a year, ₹20,000 a month reaches ₹1 crore in about 15 years. The longer you stay invested, the bigger the share of the final value that comes from returns rather than your own money.
With a 10% yearly step-up
| Years | Flat ₹20,000 a month | Step-up 10% a year | Invested with step-up |
|---|---|---|---|
| 10 years | ₹46.47 lakh | ₹67.49 lakh | ₹38.25 lakh |
| 15 years | ₹1.01 crore | ₹1.74 crore | ₹76.25 lakh |
| 20 years | ₹2 crore | ₹3.98 crore | ₹1.37 crore |
Compare nearby SIP amounts
| Monthly SIP | After 10 years | After 20 years |
|---|---|---|
| ₹7,500 a month | ₹17.43 lakh | ₹74.94 lakh |
| ₹10,000 a month | ₹23.23 lakh | ₹99.91 lakh |
| ₹15,000 a month | ₹34.85 lakh | ₹1.5 crore |
| ₹20,000 a month | ₹46.47 lakh | ₹2 crore |
| ₹25,000 a month | ₹58.08 lakh | ₹2.5 crore |
| ₹30,000 a month | ₹69.7 lakh | ₹3 crore |
| ₹50,000 a month | ₹1.16 crore | ₹5 crore |
Change the numbers
Frequently asked questions
How much will a ₹20,000 SIP give in 10 years?
About ₹46.47 lakh at 12% a year, from ₹24 lakh invested. At 10% a year it would be about ₹41.31 lakh.
How much will a ₹20,000 SIP give in 20 years?
About ₹2 crore at 12% a year, from ₹48 lakh invested. With a 10% yearly step-up it could reach ₹3.98 crore.
How long does a ₹20,000 SIP take to reach ₹1 crore?
At 12% a year, ₹20,000 a month reaches ₹1 crore in about 15 years.
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. Related: All SIP amounts · SIP calculator · Lumpsum calculator · PPF returns