A SIP of ₹1,000 a month for 20 years can grow to about ₹9.99 lakh (₹9,99,148) at a 12% yearly return. You put in ₹2,40,000 and growth adds ₹7,59,148.
₹1,000 ki SIP 20 saal me 12% return par lagbhag ₹9.99 lakh ban sakti hai. Return guaranteed nahi hai; market ke hisaab se kam-zyada ho sakta hai.
| Year | You put in | It becomes |
|---|---|---|
| 1 | ₹12,000 | ₹12,809 |
| 2 | ₹24,000 | ₹27,243 |
| 3 | ₹36,000 | ₹43,508 |
| 4 | ₹48,000 | ₹61,835 |
| 5 | ₹60,000 | ₹82,486 |
| 6 | ₹72,000 | ₹1,05,757 |
| 7 | ₹84,000 | ₹1,31,979 |
| 8 | ₹96,000 | ₹1,61,527 |
| 9 | ₹1,08,000 | ₹1,94,822 |
| 10 | ₹1,20,000 | ₹2,32,339 |
| 11 | ₹1,32,000 | ₹2,74,615 |
| 12 | ₹1,44,000 | ₹3,22,252 |
| 13 | ₹1,56,000 | ₹3,75,931 |
| 14 | ₹1,68,000 | ₹4,36,418 |
| 15 | ₹1,80,000 | ₹5,04,576 |
| 16 | ₹1,92,000 | ₹5,81,378 |
| 17 | ₹2,04,000 | ₹6,67,921 |
| 18 | ₹2,16,000 | ₹7,65,439 |
| 19 | ₹2,28,000 | ₹8,75,325 |
| 20 | ₹2,40,000 | ₹9,99,148 |
| Yearly return | Value after 20 years |
|---|---|
| 8% | ₹5.93 lakh (₹5,92,947) |
| 10% | ₹7.66 lakh (₹7,65,697) |
| 12% (this page) | ₹9.99 lakh (₹9,99,148) |
| 14% | ₹13.2 lakh (₹13,16,346) |
Mutual fund returns are not fixed. Equity funds have often given 10–14% a year over long periods in India, but some years are negative.
Rates used: October–December 2026 where a government rate applies. Results are estimates.