A SIP of ₹5,000 a month for 15 years can grow to about ₹25.2 lakh (₹25,22,880) at a 12% yearly return. You put in ₹9,00,000 and growth adds ₹16,22,880.
₹5,000 ki SIP 15 saal me 12% return par lagbhag ₹25.2 lakh ban sakti hai. Return guaranteed nahi hai; market ke hisaab se kam-zyada ho sakta hai.
| Year | You put in | It becomes |
|---|---|---|
| 1 | ₹60,000 | ₹64,047 |
| 2 | ₹1,20,000 | ₹1,36,216 |
| 3 | ₹1,80,000 | ₹2,17,538 |
| 4 | ₹2,40,000 | ₹3,09,174 |
| 5 | ₹3,00,000 | ₹4,12,432 |
| 6 | ₹3,60,000 | ₹5,28,785 |
| 7 | ₹4,20,000 | ₹6,59,895 |
| 8 | ₹4,80,000 | ₹8,07,633 |
| 9 | ₹5,40,000 | ₹9,74,108 |
| 10 | ₹6,00,000 | ₹11,61,695 |
| 11 | ₹6,60,000 | ₹13,73,074 |
| 12 | ₹7,20,000 | ₹16,11,261 |
| 13 | ₹7,80,000 | ₹18,79,656 |
| 14 | ₹8,40,000 | ₹21,82,090 |
| 15 | ₹9,00,000 | ₹25,22,880 |
| Yearly return | Value after 15 years |
|---|---|
| 8% | ₹17.4 lakh (₹17,41,726) |
| 10% | ₹20.9 lakh (₹20,89,621) |
| 12% (this page) | ₹25.2 lakh (₹25,22,880) |
| 14% | ₹30.6 lakh (₹30,64,269) |
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.