What a ₹20,000 monthly SIP becomes in 5 years at 10% returns
₹20,000/month SIP for 5 years at 10% → invested ₹12,00,000, value ₹15,61,648, gains ₹3,61,648.
- Total invested
- ₹12,00,000
- Maturity value
- ₹15,61,648
- Wealth gained
- ₹3,61,648
| Return / tenure | Invested | Value | Gains |
|---|---|---|---|
| 10% p.a. | ₹12,00,000 | ₹15,61,648 | ₹3,61,648 |
| 12% p.a. | ₹12,00,000 | ₹16,49,727 | ₹4,49,727 |
| 15% p.a. | ₹12,00,000 | ₹17,93,634 | ₹5,93,634 |
| 5 years | ₹12,00,000 | ₹15,61,648 | ₹3,61,648 |
| 10 years | ₹24,00,000 | ₹41,31,040 | ₹17,31,040 |
| 15 years | ₹36,00,000 | ₹83,58,485 | ₹47,58,485 |
| 20 years | ₹48,00,000 | ₹1,53,13,938 | ₹1,05,13,938 |
| 25 years | ₹60,00,000 | ₹2,67,57,807 | ₹2,07,57,807 |
| 30 years | ₹72,00,000 | ₹4,55,86,506 | ₹3,83,86,506 |
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 ₹20,000/month SIP be worth after 5 years?
At 10% a year, about ₹15,61,648 — you invest ₹12,00,000 and gain ₹3,61,648. 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.