₹5,000 SIP per month — what it becomes
What does ₹5,000 SIP a month become in 20 years?
₹45.99 L
At 12% a year. You invest ₹12,00,000; the other ₹33.99 L is growth.
Open in the SIP calculatorValue by time and return
| Years | Invested | At 8% | At 10% | At 12% | At 14.000000000000002% |
|---|---|---|---|---|---|
| 5 | ₹3 L | ₹3.67 L | ₹3.86 L | ₹4.06 L | ₹4.26 L |
| 10 | ₹6 L | ₹9.06 L | ₹10.07 L | ₹11.2 L | ₹12.46 L |
| 15 | ₹9 L | ₹16.99 L | ₹20.08 L | ₹23.8 L | ₹28.26 L |
| 20 | ₹12 L | ₹28.63 L | ₹36.2 L | ₹45.99 L | ₹58.67 L |
| 25 | ₹15 L | ₹45.74 L | ₹62.16 L | ₹85.11 L | ₹1.17 Cr |
| 30 | ₹18 L | ₹70.88 L | ₹1.04 Cr | ₹1.54 Cr | ₹2.3 Cr |
Make it yours
Change any number
₹
₹5 thousand
₹
Already invested, or a bonus you’re putting in now — leave 0 if none
%
Equity 10–12% · Hybrid 8–10% · Debt 6–7%. Compounded at 0.949% a month, which makes exactly 12.0% a year.
yrs
%
A step-up in line with salary hikes makes a huge difference
Value after 20 years
₹45,99,287
You invest ₹12,00,000 · gains of ₹33,99,287
How it grows
Your moneyGains
Your money vs the market’s
Multiplied
3.8×
Invested
₹12,00,000
Gains
₹33,99,287
At 12% your money doubles roughly every 6.0 years (the rule of 72). From year 12, gains are bigger than everything you’ve put in.
Questions people ask
What will a ₹5,000 SIP be worth in 10 years?
About ₹11.2 L at 12% a year, from ₹6 L invested. At 10% it’s about ₹10.07 L.
How long does a ₹5,000 SIP take to reach ₹1 crore?
About 27 years at 12% a year, without any step-up. With a 10% yearly step-up it gets there much sooner.
What if I increase it every year?
With a 10% step-up each year, ₹5,000 SIP for 20 years at 12% grows to about ₹93.16 L instead of ₹45.99 L.
Are these returns guaranteed?
No. Equity mutual funds have delivered around 10–13% a year over long periods in India, with big swings in between. Use these as planning estimates, not promises.