Illustrative maturity value of a monthly SIP at an assumed 12% p.a. return, for the most common SIP amounts and tenures in India. Use the calculator above for your own expected return, step-up SIP, and inflation-adjusted real value.
For example, a ₹10,000 monthly SIP at 12% grows to about ₹98.93 L in 20 years (on ₹24 L invested), and a ₹5,000 SIP reaches about ₹24.98 L in 15 years.
| Monthly SIP | 10 years | 15 years | 20 years | 25 years | 30 years |
|---|---|---|---|---|---|
| ₹1,000 | ₹2.30 L | ₹5.00 L | ₹9.89 L | ₹18.79 L | ₹34.95 L |
| ₹2,000 | ₹4.60 L | ₹9.99 L | ₹19.79 L | ₹37.58 L | ₹69.90 L |
| ₹3,000 | ₹6.90 L | ₹14.99 L | ₹29.68 L | ₹56.37 L | ₹1.05 Cr |
| ₹5,000 | ₹11.50 L | ₹24.98 L | ₹49.46 L | ₹93.94 L | ₹1.75 Cr |
| ₹10,000 | ₹23.00 L | ₹49.96 L | ₹98.93 L | ₹1.88 Cr | ₹3.49 Cr |
| ₹15,000 | ₹34.51 L | ₹74.94 L | ₹1.48 Cr | ₹2.82 Cr | ₹5.24 Cr |
| ₹20,000 | ₹46.01 L | ₹99.92 L | ₹1.98 Cr | ₹3.76 Cr | ₹6.99 Cr |
| ₹25,000 | ₹57.51 L | ₹1.25 Cr | ₹2.47 Cr | ₹4.70 Cr | ₹8.74 Cr |
| ₹50,000 | ₹1.15 Cr | ₹2.50 Cr | ₹4.95 Cr | ₹9.39 Cr | ₹17.47 Cr |
Maturity values assume a constant 12% annual return compounded monthly on the standard SIP formula FV = P × ((1+r)n − 1) ÷ r, where r is the monthly rate and n the number of months. Equity returns are not guaranteed and vary year to year — actual returns may be higher or lower, and the real (inflation-adjusted) value will be smaller. Past performance does not indicate future results. Educational illustration only, not investment advice.
Project mutual fund SIP returns for any monthly amount, expected return, and tenure. Includes step-up SIP (incremental SIP) and inflation-adjusted real returns.
Show inflation-adjusted (real) returns
Discount future corpus by inflation to see purchasing power
SIP Corpus After 20 Years
First ₹1 Lakh
Year 1
First ₹1 Crore 🎉
Year 18
| Year | Monthly SIP | Total Invested | Corpus |
|---|---|---|---|
| Year 1 | ₹15,000 | ₹1.80 L | ₹1.90 L |
| Year 5 | ₹15,000 | ₹9.00 L | ₹12.25 L |
| Year 10 | ₹15,000 | ₹18.00 L | ₹34.51 L |
| Year 15 | ₹15,000 | ₹27.00 L | ₹74.94 L |
| Year 20 | ₹15,000 | ₹36.00 L | ₹1.48 Cr |
Showing milestones every 5 years.
Try 10% step-up to nearly double your corpus
A flat SIP keeps your contribution constant while inflation erodes its real value. Step-up SIP scales with your salary. Even a modest 5-7% annual step-up adds 30-50% to your final corpus over 20+ years — the math compounds aggressively.
Richify AI tracks every SIP across mutual fund houses, computes XIRR, and shows your goal progress in one app.
Download Richify — It's FreeStandard SIP corpus formula: FV = P × ((1 + r)^n − 1) / r × (1 + r), where P is monthly investment, r is monthly rate (annual / 12 / 100), n is months. Equity mutual fund SIPs in India have historically delivered 11-13% CAGR over 15+ year periods (Nifty 50 TRI ~12%). However past performance ≠ future returns — model 9-12% for conservative planning. Step-up SIP (raising contribution annually) significantly accelerates corpus building.
Long-term equity SIP returns vary by category: large-cap funds 10-12% CAGR, flexi-cap 11-13%, mid-cap 13-15% (with higher volatility), small-cap 14-17% (much higher volatility, deep drawdowns). For a balanced portfolio, 11-12% is a defensible long-term assumption. Use 9-10% for conservative planning, 13-14% for aggressive but plausible scenarios. Always factor 6% inflation to compute real returns.
Step-up SIP (raising your monthly contribution by 5-10% each year as your salary grows) typically builds 50-80% more corpus over 20-25 years versus flat SIP — without much extra short-term burden, since increases scale with income. The math: a flat ₹10k SIP for 25 years at 12% becomes ~₹1.9 crore. Same ₹10k starting SIP with 10% annual step-up becomes ~₹3.9 crore. Step-up wins decisively for long horizons.
Depends on horizon and market entry point. SIP wins by: (1) automating discipline, (2) rupee-cost averaging through volatility, (3) not requiring you to time the market. Lump sum wins by: (1) full exposure immediately = more compounding time, (2) historically beats SIP in 60-70% of long-term backtests because markets trend up. For most people without large idle cash, SIP is the practical choice. If you have a lump sum, STP (Systematic Transfer Plan from liquid fund into equity over 6-12 months) is a middle path.
Equity mutual funds (held 12+ months): LTCG taxed at 12.5% on gains above ₹1.25 lakh per FY (FY 2024-25 onward). Held under 12 months: STCG at 20%. Debt mutual funds: gains taxed at slab rates regardless of holding period (post April 2023 changes — indexation benefit removed). ELSS mutual funds qualify for 80C deduction up to ₹1.5L/year with 3-year lockin. Always consult a tax advisor for your specific situation.
Open-ended mutual fund SIPs: yes, you can redeem anytime (no lockin). However: (1) ELSS has 3-year lockin per installment, (2) some funds charge exit load if redeemed within 1 year (typically 1%), (3) STCG of 20% applies if held under 12 months. Best practice: invest SIP money you don't need for 5+ years, ideally 7-10+ for full equity allocation. Short-term goals belong in debt funds or FDs, not equity SIPs.
At an assumed 12% annual return, a ₹10,000 monthly SIP grows to approximately ₹98.93 lakh in 20 years — on a total investment of ₹24 lakh, meaning about ₹75 lakh is growth. Extend it to 30 years and the same SIP could reach about ₹3.49 crore, because the final decade does the heaviest compounding. Returns are not guaranteed and vary year to year — see the SIP corpus table below for other amounts and tenures, and use the calculator above for your own assumptions.
At an assumed 12% annual return, a ₹5,000 monthly SIP grows to roughly ₹11.5 lakh in 10 years, ₹24.98 lakh in 15 years, and ₹49.46 lakh in 20 years. Because compounding accelerates over time, doubling the tenure far more than doubles the corpus. These are illustrations at a fixed return — actual equity returns fluctuate, so treat them as a planning guide rather than a promise.
Step-up SIP (also called incremental SIP or top-up SIP) raises your monthly investment by a fixed percentage each year — typically 5% to 10% — to track your salary increments. Set the Step-up slider above to model it. Example: start with ₹10,000/month, step up by 10% annually. Year 2 you invest ₹11,000/month, year 3 ₹12,100, and so on. Over 25 years at 12% returns, this builds ~₹3.9 crore vs ~₹1.9 crore from a flat ₹10,000 SIP — more than 2× the corpus, because your contribution compounds alongside the market. Most large AMCs (SBI Mutual Fund, HDFC AMC, ICICI Prudential, Axis MF, Nippon India, Kotak Mahindra) support automatic step-up — set it once and forget.
By long-term return + volatility profile: Flexi-cap funds are the default choice for first-time SIP investors — they invest across large, mid, and small caps and have averaged ~11-13% CAGR over 10+ years (CRISIL / Value Research data). Large-cap funds offer lower volatility (~10-12% CAGR). Mid-cap and small-cap funds offer higher upside (~14-17% CAGR) but with deep 30-50% drawdowns — only suitable for 10+ year horizons. ELSS funds qualify for ₹1.5 lakh 80C deduction (old regime) with a 3-year lockin and similar returns to flexi-cap. Index funds tracking Nifty 50 or Nifty 500 are the lowest-cost option and have outperformed roughly 70% of active large-cap funds over the past decade.