SIP of ₹20,000 per Month for 10 Years
₹20,000 a month at 12% grows to ₹46.5L in 10 years on ₹24L invested. Change the return, years, or add a yearly step-up.
Investing ₹20,000 every month for 10 years puts in ₹24,00,000. At 12% a year, the usual planning figure for equity funds, it grows to about ₹46,46,782, so ₹22,46,782 is growth. At a more cautious 10% the same SIP reaches ₹41,31,040; over 15 years it becomes ₹1,00,91,520. 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₹24,00,00052%
- Growth₹22,46,78248%
Stay in for 15 years instead of 10 and the value becomes ₹1,00,91,520, that is ₹54,44,738 more for only ₹12,00,000 extra invested.
One percent more, 13.0% instead of 12%, adds ₹2,86,831 over 10 years. Fees and fund choice matter about that much.Tip: a 10% yearly step-up would give ₹67,48,653.
| Year | Invested so far | Growth this year | Value |
|---|---|---|---|
| 1 | ₹2,40,000 | +₹16,187 | ₹2,56,187 |
| 2 | ₹4,80,000 | +₹48,677 | ₹5,44,864 |
| 3 | ₹7,20,000 | +₹85,289 | ₹8,70,153 |
| 4 | ₹9,60,000 | +₹1,26,544 | ₹12,36,697 |
| 5 | ₹12,00,000 | +₹1,73,031 | ₹16,49,727 |
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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