A SIP of ₹10,000 a month for 20 years can grow to about ₹99.9 lakh (₹99,91,479) at a 12% yearly return. You put in ₹24,00,000 and growth adds ₹75,91,479.
₹10,000 ki SIP 20 saal me 12% return par lagbhag ₹99.9 lakh ban sakti hai. Return guaranteed nahi hai; market ke hisaab se kam-zyada ho sakta hai.
| Year | You put in | It becomes |
|---|---|---|
| 1 | ₹1,20,000 | ₹1,28,093 |
| 2 | ₹2,40,000 | ₹2,72,432 |
| 3 | ₹3,60,000 | ₹4,35,076 |
| 4 | ₹4,80,000 | ₹6,18,348 |
| 5 | ₹6,00,000 | ₹8,24,864 |
| 6 | ₹7,20,000 | ₹10,57,570 |
| 7 | ₹8,40,000 | ₹13,19,790 |
| 8 | ₹9,60,000 | ₹16,15,266 |
| 9 | ₹10,80,000 | ₹19,48,215 |
| 10 | ₹12,00,000 | ₹23,23,391 |
| 11 | ₹13,20,000 | ₹27,46,148 |
| 12 | ₹14,40,000 | ₹32,22,522 |
| 13 | ₹15,60,000 | ₹37,59,311 |
| 14 | ₹16,80,000 | ₹43,64,180 |
| 15 | ₹18,00,000 | ₹50,45,760 |
| 16 | ₹19,20,000 | ₹58,13,782 |
| 17 | ₹20,40,000 | ₹66,79,208 |
| 18 | ₹21,60,000 | ₹76,54,392 |
| 19 | ₹22,80,000 | ₹87,53,254 |
| 20 | ₹24,00,000 | ₹99,91,479 |
| Yearly return | Value after 20 years |
|---|---|
| 8% | ₹59.3 lakh (₹59,29,472) |
| 10% | ₹76.6 lakh (₹76,56,969) |
| 12% (this page) | ₹99.9 lakh (₹99,91,479) |
| 14% | ₹1.32 crore (₹1,31,63,463) |
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.