What a ₹1,00,000 monthly SIP becomes in 20 years at 15% returns
₹1,00,000/month SIP for 20 years at 15% → invested ₹2,40,00,000, value ₹15,15,95,497, gains ₹12,75,95,497.
- Total invested
- ₹2,40,00,000
- Maturity value
- ₹15,15,95,497
- Wealth gained
- ₹12,75,95,497
| Return / tenure | Invested | Value | Gains |
|---|---|---|---|
| 10% p.a. | ₹2,40,00,000 | ₹7,65,69,691 | ₹5,25,69,691 |
| 12% p.a. | ₹2,40,00,000 | ₹9,99,14,792 | ₹7,59,14,792 |
| 15% p.a. | ₹2,40,00,000 | ₹15,15,95,497 | ₹12,75,95,497 |
| 5 years | ₹60,00,000 | ₹89,68,169 | ₹29,68,169 |
| 10 years | ₹1,20,00,000 | ₹2,78,65,727 | ₹1,58,65,727 |
| 15 years | ₹1,80,00,000 | ₹6,76,86,309 | ₹4,96,86,309 |
| 20 years | ₹2,40,00,000 | ₹15,15,95,497 | ₹12,75,95,497 |
| 25 years | ₹3,00,00,000 | ₹32,84,07,374 | ₹29,84,07,374 |
| 30 years | ₹3,60,00,000 | ₹70,09,82,061 | ₹66,49,82,061 |
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 ₹1,00,000/month SIP be worth after 20 years?
At 15% a year, about ₹15,15,95,497 — you invest ₹2,40,00,000 and gain ₹12,75,95,497. 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.