₹15,000 sip for 20 years
₹15,000 a month for 20 years grows to about ₹1,49,87,219 (1.50 crore) at an assumed 12% annual return: you invest ₹36,00,000 and the projected gain is ₹1,13,87,219. at 10% it is about ₹1,14,85,454, at 15% about ₹2,27,39,325.
at different returns
| assumed return | projected value | projected gain |
|---|---|---|
| 8% a year | ₹88,94,208 | ₹52,94,208 |
| 10% a year | ₹1,14,85,454 | ₹78,85,454 |
| 12% a year | ₹1,49,87,219 | ₹1,13,87,219 |
| 15% a year | ₹2,27,39,325 | ₹1,91,39,325 |
you invest the same ₹36,00,000 in every row. only the assumed return changes.
year by year at 12%
| after | invested | projected value |
|---|---|---|
| year 1 | ₹1,80,000 | ₹1,92,140 |
| year 2 | ₹3,60,000 | ₹4,08,648 |
| year 3 | ₹5,40,000 | ₹6,52,615 |
| year 4 | ₹7,20,000 | ₹9,27,523 |
| year 5 | ₹9,00,000 | ₹12,37,295 |
| year 10 | ₹18,00,000 | ₹34,85,086 |
| year 15 | ₹27,00,000 | ₹75,68,640 |
| year 20 | ₹36,00,000 | ₹1,49,87,219 |
with a 10% yearly step-up
if you raise the ₹15,000 by 10% every year (from month 13), the same 20 years at 12% grow to about ₹2,98,33,073 on ₹1,03,09,500 invested.
in today's money
at 6% inflation, ₹1,49,87,219 in 20 years buys about what ₹46,73,086 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) = ₹15,000 x ((1.01)^240 - 1) / 0.01 x 1.01 = ₹1,49,87,218.79.
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 ₹15,000 a month, other durations
5 years 10 years 15 years 25 years 30 years
other amounts for 20 years
₹1,000 ₹2,000 ₹3,000 ₹5,000 ₹10,000 ₹20,000 ₹25,000 ₹50,000
all sip amounts and durations · sip calculator with your own numbers
questions people ask
What will a ₹15,000 SIP become in 20 years?
About ₹1,49,87,219 at an assumed 12% annual return. You invest ₹36,00,000 and the projected gain is about ₹1,13,87,219. At 10% it is about ₹1,14,85,454, at 15% about ₹2,27,39,325. Returns are not guaranteed.
How much do I invest in a ₹15,000 monthly SIP for 20 years?
₹36,00,000: ₹15,000 x 240 months.
What if I step up my ₹15,000 SIP by 10% every year for 20 years?
At 12% it grows to about ₹2,98,33,073, on ₹1,03,09,500 invested.