What a ₹15,000 monthly SIP becomes in 5 years at 12% returns
₹15,000/month SIP for 5 years at 12% → invested ₹9,00,000, value ₹12,37,295, gains ₹3,37,295.
- Total invested
- ₹9,00,000
- Maturity value
- ₹12,37,295
- Wealth gained
- ₹3,37,295
| Return / tenure | Invested | Value | Gains |
|---|---|---|---|
| 10% p.a. | ₹9,00,000 | ₹11,71,236 | ₹2,71,236 |
| 12% p.a. | ₹9,00,000 | ₹12,37,295 | ₹3,37,295 |
| 15% p.a. | ₹9,00,000 | ₹13,45,225 | ₹4,45,225 |
| 5 years | ₹9,00,000 | ₹12,37,295 | ₹3,37,295 |
| 10 years | ₹18,00,000 | ₹34,85,086 | ₹16,85,086 |
| 15 years | ₹27,00,000 | ₹75,68,640 | ₹48,68,640 |
| 20 years | ₹36,00,000 | ₹1,49,87,219 | ₹1,13,87,219 |
| 25 years | ₹45,00,000 | ₹2,84,64,526 | ₹2,39,64,526 |
| 30 years | ₹54,00,000 | ₹5,29,48,707 | ₹4,75,48,707 |
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 ₹15,000/month SIP be worth after 5 years?
At 12% a year, about ₹12,37,295 — you invest ₹9,00,000 and gain ₹3,37,295. 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.