₹1,000 sip for 20 years
₹1,000 a month for 20 years grows to about ₹9,99,148 (9.99 lakh) at an assumed 12% annual return: you invest ₹2,40,000 and the projected gain is ₹7,59,148. at 10% it is about ₹7,65,697, at 15% about ₹15,15,955.
at different returns
| assumed return | projected value | projected gain |
|---|---|---|
| 8% a year | ₹5,92,947 | ₹3,52,947 |
| 10% a year | ₹7,65,697 | ₹5,25,697 |
| 12% a year | ₹9,99,148 | ₹7,59,148 |
| 15% a year | ₹15,15,955 | ₹12,75,955 |
you invest the same ₹2,40,000 in every row. only the assumed return changes.
year by year at 12%
| after | invested | projected value |
|---|---|---|
| year 1 | ₹12,000 | ₹12,809 |
| year 2 | ₹24,000 | ₹27,243 |
| year 3 | ₹36,000 | ₹43,508 |
| year 4 | ₹48,000 | ₹61,835 |
| year 5 | ₹60,000 | ₹82,486 |
| year 10 | ₹1,20,000 | ₹2,32,339 |
| year 15 | ₹1,80,000 | ₹5,04,576 |
| year 20 | ₹2,40,000 | ₹9,99,148 |
with a 10% yearly step-up
if you raise the ₹1,000 by 10% every year (from month 13), the same 20 years at 12% grow to about ₹19,88,872 on ₹6,87,300 invested.
in today's money
at 6% inflation, ₹9,99,148 in 20 years buys about what ₹3,11,539 buys today.
how this is worked out
monthly rate i = 12 / 12 / 100 = 1%, n = 240 months. with each payment at the start of the month, value = P x ((1 + i)^n - 1) / i x (1 + i) = ₹1,000 x ((1.01)^240 - 1) / 0.01 x 1.01 = ₹9,99,147.92.
illustrative only. mutual fund returns are not fixed or guaranteed; this assumes payments at the start of every month, the annual return compounded monthly (12% = 1% a month), and ignores tax, exit loads and fees. not investment advice.
same ₹1,000 a month, other durations
5 years 10 years 15 years 25 years 30 years
other amounts for 20 years
₹2,000 ₹3,000 ₹5,000 ₹10,000 ₹15,000 ₹20,000 ₹25,000 ₹50,000
all sip amounts and durations · sip calculator with your own numbers
questions people ask
What will a ₹1,000 SIP become in 20 years?
About ₹9,99,148 at an assumed 12% annual return. You invest ₹2,40,000 and the projected gain is about ₹7,59,148. At 10% it is about ₹7,65,697, at 15% about ₹15,15,955. Returns are not guaranteed.
How much do I invest in a ₹1,000 monthly SIP for 20 years?
₹2,40,000: ₹1,000 x 240 months.
What if I step up my ₹1,000 SIP by 10% every year for 20 years?
At 12% it grows to about ₹19,88,872, on ₹6,87,300 invested.