SIP of ₹15,000 per Month for 10 Years
₹15,000 a month at 12% grows to ₹34.9L in 10 years on ₹18L invested. Change the return, years, or add a yearly step-up.
Investing ₹15,000 every month for 10 years puts in ₹18,00,000. At 12% a year, the usual planning figure for equity funds, it grows to about ₹34,85,086, so ₹16,85,086 is growth. At a more cautious 10% the same SIP reaches ₹30,98,280; over 15 years it becomes ₹75,68,640. Use the step-up field if you can raise the amount each year with your salary.
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Optional. Raise the monthly amount every year, like a salary increase.
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Shows what the final amount is worth in today's money.
- Invested₹18,00,00052%
- Growth₹16,85,08648%
Stay in for 15 years instead of 10 and the value becomes ₹75,68,640, that is ₹40,83,554 more for only ₹9,00,000 extra invested.
One percent more, 13.0% instead of 12%, adds ₹2,15,124 over 10 years. Fees and fund choice matter about that much.Tip: a 10% yearly step-up would give ₹50,61,489.
| Year | Invested so far | Growth this year | Value |
|---|---|---|---|
| 1 | ₹1,80,000 | +₹12,140 | ₹1,92,140 |
| 2 | ₹3,60,000 | +₹36,508 | ₹4,08,648 |
| 3 | ₹5,40,000 | +₹63,967 | ₹6,52,615 |
| 4 | ₹7,20,000 | +₹94,908 | ₹9,27,523 |
| 5 | ₹9,00,000 | +₹1,29,773 | ₹12,37,295 |
Returns are not guaranteed. Figures are estimates before tax and fees, rounded for display.
How SIP returns are calculated
A Systematic Investment Plan puts a fixed amount into a mutual fund every month. The value at the end is M × [(1 + i)^n − 1] ÷ i × (1 + i), where M is the monthly amount, i the monthly return (annual ÷ 12) and n the number of months. Each instalment grows for a different length of time, which is why the total invested and the final value look so far apart after ten or fifteen years.
Step-up SIP
Raising the monthly amount every year, say by 10% along with your salary, has an outsized effect because the increases arrive while the fund still has years to grow. Turn on the step-up field to see the difference; over 15 years it often doubles the final value.
What return to expect
Equity funds in India have historically delivered 10–14% a year over long periods, debt funds 6–8%, but returns are not guaranteed and vary widely year to year. Use a conservative rate for planning and treat the result as an estimate, not a promise. Expense ratios and exit loads reduce the actual return.
Taxes
Gains on equity funds held over a year are taxed as long-term capital gains above an annual exemption; short-term gains are taxed higher. The figures here are before tax.
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