Investing ₹2,500 a month through a SIP for 10 years at an average return of 12% a year grows to about ₹5.81 lakh. You put in ₹3 lakh, so ₹2.81 lakh is returns. Keep going for 20 years and it could reach ₹24.98 lakh.
₹2,500 monthly SIP after 10 years (12% a year)
₹5,80,848
- You invest
- ₹3 lakh
- Returns
- ₹2.81 lakh
- After 20 years
- ₹24.98 lakh
₹2,500 SIP returns by years and rate
| Years | 8% a year | 10% a year | 12% a year | 15% a year |
|---|---|---|---|---|
| 5 years | ₹1.85 lakh | ₹1.95 lakh | ₹2.06 lakh | ₹2.24 lakh |
| 10 years | ₹4.6 lakh | ₹5.16 lakh | ₹5.81 lakh | ₹6.97 lakh |
| 15 years | ₹8.71 lakh | ₹10.45 lakh | ₹12.61 lakh | ₹16.92 lakh |
| 20 years | ₹14.82 lakh | ₹19.14 lakh | ₹24.98 lakh | ₹37.9 lakh |
| 25 years | ₹23.93 lakh | ₹33.45 lakh | ₹47.44 lakh | ₹82.1 lakh |
| 30 years | ₹37.51 lakh | ₹56.98 lakh | ₹88.25 lakh | ₹1.75 crore |
Money invested vs returns at 12%
| Years | You invest | Returns | Value |
|---|---|---|---|
| 5 years | ₹1.5 lakh | ₹56,216 | ₹2.06 lakh |
| 10 years | ₹3 lakh | ₹2.81 lakh | ₹5.81 lakh |
| 15 years | ₹4.5 lakh | ₹8.11 lakh | ₹12.61 lakh |
| 20 years | ₹6 lakh | ₹18.98 lakh | ₹24.98 lakh |
| 25 years | ₹7.5 lakh | ₹39.94 lakh | ₹47.44 lakh |
| 30 years | ₹9 lakh | ₹79.25 lakh | ₹88.25 lakh |
At 12% a year, ₹2,500 a month reaches ₹1 crore in about 31 years 1 month. 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 ₹2,500 a month | Step-up 10% a year | Invested with step-up |
|---|---|---|---|
| 10 years | ₹5.81 lakh | ₹8.44 lakh | ₹4.78 lakh |
| 15 years | ₹12.61 lakh | ₹21.71 lakh | ₹9.53 lakh |
| 20 years | ₹24.98 lakh | ₹49.72 lakh | ₹17.18 lakh |
Compare nearby SIP amounts
| Monthly SIP | After 10 years | After 20 years |
|---|---|---|
| ₹1,000 a month | ₹2.32 lakh | ₹9.99 lakh |
| ₹1,500 a month | ₹3.49 lakh | ₹14.99 lakh |
| ₹2,000 a month | ₹4.65 lakh | ₹19.98 lakh |
| ₹2,500 a month | ₹5.81 lakh | ₹24.98 lakh |
| ₹3,000 a month | ₹6.97 lakh | ₹29.97 lakh |
| ₹4,000 a month | ₹9.29 lakh | ₹39.97 lakh |
| ₹5,000 a month | ₹11.62 lakh | ₹49.96 lakh |
Change the numbers
Frequently asked questions
How much will a ₹2,500 SIP give in 10 years?
About ₹5.81 lakh at 12% a year, from ₹3 lakh invested. At 10% a year it would be about ₹5.16 lakh.
How much will a ₹2,500 SIP give in 20 years?
About ₹24.98 lakh at 12% a year, from ₹6 lakh invested. With a 10% yearly step-up it could reach ₹49.72 lakh.
How long does a ₹2,500 SIP take to reach ₹1 crore?
At 12% a year, ₹2,500 a month reaches ₹1 crore in about 31 years 1 month.
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