What a ₹1,000 monthly SIP becomes in 5 years at 12% returns
₹1,000/month SIP for 5 years at 12% → invested ₹60,000, value ₹82,486, gains ₹22,486.
- Total invested
- ₹60,000
- Maturity value
- ₹82,486
- Wealth gained
- ₹22,486
| Return / tenure | Invested | Value | Gains |
|---|---|---|---|
| 10% p.a. | ₹60,000 | ₹78,082 | ₹18,082 |
| 12% p.a. | ₹60,000 | ₹82,486 | ₹22,486 |
| 15% p.a. | ₹60,000 | ₹89,682 | ₹29,682 |
| 5 years | ₹60,000 | ₹82,486 | ₹22,486 |
| 10 years | ₹1,20,000 | ₹2,32,339 | ₹1,12,339 |
| 15 years | ₹1,80,000 | ₹5,04,576 | ₹3,24,576 |
| 20 years | ₹2,40,000 | ₹9,99,148 | ₹7,59,148 |
| 25 years | ₹3,00,000 | ₹18,97,635 | ₹15,97,635 |
| 30 years | ₹3,60,000 | ₹35,29,914 | ₹31,69,914 |
How this is calculated
Value = A × ((1 + i)^n − 1) ÷ i × (1 + i), where A is the monthly amount, i the monthly return (annual ÷ 12 ÷ 100) and n the number of months.
SIP कैलकुलेटर: हर महीने की SIP 5, 10, 15 या 20 साल में कितनी बनेगी — कुल निवेश, मैच्योरिटी वैल्यू और फ़ायदा, सटीक आँकड़ों के साथ।
Frequently asked
How much will a ₹1,000/month SIP be worth after 5 years?
At 12% a year, about ₹82,486 — you invest ₹60,000 and gain ₹22,486. Returns are assumed, not guaranteed.
What return should I assume for a SIP?
Equity mutual funds in India have historically delivered 10–14% a year over 10+ year periods, but returns are not guaranteed. 12% is the common planning assumption; run 10% as a conservative case.
Does the SIP date matter?
Over long periods the SIP date makes a negligible difference. Consistency and staying invested through market falls matter far more than timing.
What is a step-up SIP?
Increasing the SIP amount every year (say 10%) as your income grows. A 10% annual step-up on a 20-year SIP roughly doubles the final corpus compared with a flat SIP.
Figures are computed exactly from the stated inputs. Bank rates, processing fees, insurance and taxes vary — treat this as the arithmetic, not an offer. Last computed October 2026.