What a monthly SIP becomes
How much a fixed monthly SIP grows to after 10, 15, 20 and 30 years, from ₹500 to ₹50,000 a month.
Use your own SIP| Monthly SIP | 10 years | 15 years | 20 years | 30 years |
|---|---|---|---|---|
| ₹500/mo | ₹1.12 L | ₹2.38 L | ₹4.6 L | ₹15.4 L |
| ₹1,000/mo | ₹2.24 L | ₹4.76 L | ₹9.2 L | ₹30.81 L |
| ₹2,000/mo | ₹4.48 L | ₹9.52 L | ₹18.4 L | ₹61.62 L |
| ₹2,500/mo | ₹5.6 L | ₹11.9 L | ₹23 L | ₹77.02 L |
| ₹3,000/mo | ₹6.72 L | ₹14.28 L | ₹27.6 L | ₹92.43 L |
| ₹5,000/mo | ₹11.2 L | ₹23.8 L | ₹45.99 L | ₹1.54 Cr |
| ₹7,500/mo | ₹16.8 L | ₹35.69 L | ₹68.99 L | ₹2.31 Cr |
| ₹10,000/mo | ₹22.4 L | ₹47.59 L | ₹91.99 L | ₹3.08 Cr |
| ₹15,000/mo | ₹33.61 L | ₹71.39 L | ₹1.38 Cr | ₹4.62 Cr |
| ₹20,000/mo | ₹44.81 L | ₹95.19 L | ₹1.84 Cr | ₹6.16 Cr |
| ₹25,000/mo | ₹56.01 L | ₹1.19 Cr | ₹2.3 Cr | ₹7.7 Cr |
| ₹50,000/mo | ₹1.12 Cr | ₹2.38 Cr | ₹4.6 Cr | ₹15.4 Cr |
At 12% a year, invested at the start of each month, no step-up. Tap any row for the full breakdown.
Questions people ask
How much SIP do I need for ₹1 crore?
At 12% a year with no step-up, ₹10,000 a month gets there in about 21 years, ₹20,000 in about 16 years and ₹50,000 in about 10 years.
What does ₹10,000 a month become in 20 years?
About ₹91.99 L at 12% a year. You put in ₹24 L; the other ₹67.99 L is growth.
Why does the 30-year column jump so much?
Compounding. In the last ten years the pot is already large, so the growth on it dwarfs what you add each month. Starting five years earlier often matters more than investing a little more.
Are 12% returns realistic?
Equity mutual funds in India have delivered roughly 10–13% a year over long periods, with big swings in between. Treat these as planning estimates, not promises — each SIP page also shows 8%, 10% and 14%.