What a ₹10,000 monthly SIP becomes in 5 years at 15% returns
₹10,000/month SIP for 5 years at 15% → invested ₹6,00,000, value ₹8,96,817, gains ₹2,96,817.
- Total invested
- ₹6,00,000
- Maturity value
- ₹8,96,817
- Wealth gained
- ₹2,96,817
| 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 | ₹8,96,817 | ₹2,96,817 |
| 10 years | ₹12,00,000 | ₹27,86,573 | ₹15,86,573 |
| 15 years | ₹18,00,000 | ₹67,68,631 | ₹49,68,631 |
| 20 years | ₹24,00,000 | ₹1,51,59,550 | ₹1,27,59,550 |
| 25 years | ₹30,00,000 | ₹3,28,40,737 | ₹2,98,40,737 |
| 30 years | ₹36,00,000 | ₹7,00,98,206 | ₹6,64,98,206 |
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 15% a year, about ₹8,96,817 — you invest ₹6,00,000 and gain ₹2,96,817. 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.