Quick answer
A ₹5,000 monthly SIP could grow to about ₹11.62 lakh in 10 years and ₹49.96 lakh in 20 years at an assumed 12% annual return. You would have invested ₹6,00,000 and ₹12,00,000 respectively.
₹5,000 monthly SIP: maturity value by years and return
Estimated value of a ₹5,000 monthly SIP (invested at the start of each month) at different annual returns:
| Years | Invested | 8% return | 10% return | 12% return | 15% return |
|---|---|---|---|---|---|
| 3 years | ₹1,80,000 | ₹2,04,029 | ₹2,10,650 | ₹2,17,538 | ₹2,28,397 |
| 5 years | ₹3,00,000 | ₹3,69,834 | ₹3,90,412 | ₹4,12,432 | ₹4,48,408 |
| 7 years | ₹4,20,000 | ₹5,64,304 | ₹6,09,792 | ₹6,59,895 | ₹7,44,841 |
| 10 years | ₹6,00,000 | ₹9,20,828 | ₹10,32,760 | ₹11,61,695 | ₹13,93,286 |
| 15 years | ₹9,00,000 | ₹17,41,726 | ₹20,89,621 | ₹25,22,880 | ₹33,84,315 |
| 20 years | ₹12,00,000 | ₹29,64,736 | ₹38,28,485 | ₹49,95,740 | ₹75,79,775 |
| 25 years | ₹15,00,000 | ₹47,86,833 | ₹66,89,452 | ₹94,88,175 | ₹1,64,20,369 |
| 30 years | ₹18,00,000 | ₹75,01,476 | ₹1,13,96,627 | ₹1,76,49,569 | ₹3,50,49,103 |
The power of staying invested
At 12% a year, your ₹5,000 SIP turns ₹6,00,000 of contributions into about ₹11.62 lakh in 10 years. Staying invested for 20 years — just double the time — grows ₹12,00,000 into roughly ₹49.96 lakh, more than 4.3× the 10-year value. That is compounding at work.
How long to reach common goals
| Goal | Years at 12% |
|---|---|
| ₹10 lakh | 10 years |
| ₹25 lakh | 15 years |
| ₹50 lakh | 21 years |
| ₹1 crore | 26 years |
| ₹5 crore | 39 years |
Tips
- Increase your SIP each year with your salary — see the step-up SIP calculator.
- Equity returns are not guaranteed; past returns of 10–14% for diversified equity funds over long periods are not a promise.
- Gains on equity funds held over a year are taxed as LTCG above the annual exemption — check current rules.
- Compare with a one-time investment in the lumpsum calculator.
Mutual fund investments are subject to market risks. This is an estimate, not investment advice.
Open ₹5,000 SIP in the SIP calculator →
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