What a ₹5,000 monthly SIP becomes in 20 years at 12% returns
₹5,000/month SIP for 20 years at 12% → invested ₹12,00,000, value ₹49,95,740, gains ₹37,95,740.
- Total invested
- ₹12,00,000
- Maturity value
- ₹49,95,740
- Wealth gained
- ₹37,95,740
| Return / tenure | Invested | Value | Gains |
|---|---|---|---|
| 10% p.a. | ₹12,00,000 | ₹38,28,485 | ₹26,28,485 |
| 12% p.a. | ₹12,00,000 | ₹49,95,740 | ₹37,95,740 |
| 15% p.a. | ₹12,00,000 | ₹75,79,775 | ₹63,79,775 |
| 5 years | ₹3,00,000 | ₹4,12,432 | ₹1,12,432 |
| 10 years | ₹6,00,000 | ₹11,61,695 | ₹5,61,695 |
| 15 years | ₹9,00,000 | ₹25,22,880 | ₹16,22,880 |
| 20 years | ₹12,00,000 | ₹49,95,740 | ₹37,95,740 |
| 25 years | ₹15,00,000 | ₹94,88,175 | ₹79,88,175 |
| 30 years | ₹18,00,000 | ₹1,76,49,569 | ₹1,58,49,569 |
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 ₹5,000/month SIP be worth after 20 years?
At 12% a year, about ₹49,95,740 — you invest ₹12,00,000 and gain ₹37,95,740. 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.