A SIP of ₹25,000 a month for 20 years can grow to about ₹2.5 crore (₹2,49,78,698) at a 12% yearly return. You put in ₹60,00,000 and growth adds ₹1,89,78,698.
₹25,000 ki SIP 20 saal me 12% return par lagbhag ₹2.5 crore ban sakti hai. Return guaranteed nahi hai; market ke hisaab se kam-zyada ho sakta hai.
| Year | You put in | It becomes |
|---|---|---|
| 1 | ₹3,00,000 | ₹3,20,233 |
| 2 | ₹6,00,000 | ₹6,81,080 |
| 3 | ₹9,00,000 | ₹10,87,691 |
| 4 | ₹12,00,000 | ₹15,45,871 |
| 5 | ₹15,00,000 | ₹20,62,159 |
| 6 | ₹18,00,000 | ₹26,43,926 |
| 7 | ₹21,00,000 | ₹32,99,475 |
| 8 | ₹24,00,000 | ₹40,38,164 |
| 9 | ₹27,00,000 | ₹48,70,538 |
| 10 | ₹30,00,000 | ₹58,08,477 |
| 11 | ₹33,00,000 | ₹68,65,370 |
| 12 | ₹36,00,000 | ₹80,56,304 |
| 13 | ₹39,00,000 | ₹93,98,279 |
| 14 | ₹42,00,000 | ₹1,09,10,449 |
| 15 | ₹45,00,000 | ₹1,26,14,400 |
| 16 | ₹48,00,000 | ₹1,45,34,455 |
| 17 | ₹51,00,000 | ₹1,66,98,021 |
| 18 | ₹54,00,000 | ₹1,91,35,981 |
| 19 | ₹57,00,000 | ₹2,18,83,135 |
| 20 | ₹60,00,000 | ₹2,49,78,698 |
| Yearly return | Value after 20 years |
|---|---|
| 8% | ₹1.48 crore (₹1,48,23,680) |
| 10% | ₹1.91 crore (₹1,91,42,423) |
| 12% (this page) | ₹2.5 crore (₹2,49,78,698) |
| 14% | ₹3.29 crore (₹3,29,08,657) |
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.