What a ₹10,000 monthly SIP becomes in 5 years at 12% returns
₹10,000/month SIP for 5 years at 12% → invested ₹6,00,000, value ₹8,24,864, gains ₹2,24,864.
- Total invested
- ₹6,00,000
- Maturity value
- ₹8,24,864
- Wealth gained
- ₹2,24,864
| Return / tenure | Invested | Value | Gains |
|---|---|---|---|
| 10% p.a. | ₹6,00,000 | ₹7,80,824 | ₹1,80,824 |
| 12% p.a. | ₹6,00,000 | ₹8,24,864 | ₹2,24,864 |
| 15% p.a. | ₹6,00,000 | ₹8,96,817 | ₹2,96,817 |
| 5 years | ₹6,00,000 | ₹8,24,864 | ₹2,24,864 |
| 10 years | ₹12,00,000 | ₹23,23,391 | ₹11,23,391 |
| 15 years | ₹18,00,000 | ₹50,45,760 | ₹32,45,760 |
| 20 years | ₹24,00,000 | ₹99,91,479 | ₹75,91,479 |
| 25 years | ₹30,00,000 | ₹1,89,76,351 | ₹1,59,76,351 |
| 30 years | ₹36,00,000 | ₹3,52,99,138 | ₹3,16,99,138 |
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 ₹10,000/month SIP be worth after 5 years?
At 12% a year, about ₹8,24,864 — you invest ₹6,00,000 and gain ₹2,24,864. 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.