₹10,000 sip for 15 years
₹10,000 a month for 15 years grows to about ₹50,45,760 (50.46 lakh) at an assumed 12% annual return: you invest ₹18,00,000 and the projected gain is ₹32,45,760. at 10% it is about ₹41,79,243, at 15% about ₹67,68,631.
at different returns
| assumed return | projected value | projected gain |
|---|---|---|
| 8% a year | ₹34,83,451 | ₹16,83,451 |
| 10% a year | ₹41,79,243 | ₹23,79,243 |
| 12% a year | ₹50,45,760 | ₹32,45,760 |
| 15% a year | ₹67,68,631 | ₹49,68,631 |
you invest the same ₹18,00,000 in every row. only the assumed return changes.
year by year at 12%
| after | invested | projected value |
|---|---|---|
| year 1 | ₹1,20,000 | ₹1,28,093 |
| year 2 | ₹2,40,000 | ₹2,72,432 |
| year 3 | ₹3,60,000 | ₹4,35,076 |
| year 4 | ₹4,80,000 | ₹6,18,348 |
| year 5 | ₹6,00,000 | ₹8,24,864 |
| year 10 | ₹12,00,000 | ₹23,23,391 |
| year 15 | ₹18,00,000 | ₹50,45,760 |
with a 10% yearly step-up
if you raise the ₹10,000 by 10% every year (from month 13), the same 15 years at 12% grow to about ₹86,83,849 on ₹38,12,698 invested.
in today's money
at 6% inflation, ₹50,45,760 in 15 years buys about what ₹21,05,419 buys today.
how this is worked out
monthly rate i = 12 / 12 / 100 = 1%, n = 180 months. with each payment at the start of the month, value = P x ((1 + i)^n - 1) / i x (1 + i) = ₹10,000 x ((1.01)^180 - 1) / 0.01 x 1.01 = ₹50,45,760.00.
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 ₹10,000 a month, other durations
5 years 10 years 20 years 25 years 30 years
other amounts for 15 years
₹1,000 ₹2,000 ₹3,000 ₹5,000 ₹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 ₹10,000 SIP become in 15 years?
About ₹50,45,760 at an assumed 12% annual return. You invest ₹18,00,000 and the projected gain is about ₹32,45,760. At 10% it is about ₹41,79,243, at 15% about ₹67,68,631. Returns are not guaranteed.
How much do I invest in a ₹10,000 monthly SIP for 15 years?
₹18,00,000: ₹10,000 x 180 months.
What if I step up my ₹10,000 SIP by 10% every year for 15 years?
At 12% it grows to about ₹86,83,849, on ₹38,12,698 invested.