₹2,000 sip for 20 years
₹2,000 a month for 20 years grows to about ₹19,98,296 (19.98 lakh) at an assumed 12% annual return: you invest ₹4,80,000 and the projected gain is ₹15,18,296. at 10% it is about ₹15,31,394, at 15% about ₹30,31,910.
at different returns
| assumed return | projected value | projected gain |
|---|---|---|
| 8% a year | ₹11,85,894 | ₹7,05,894 |
| 10% a year | ₹15,31,394 | ₹10,51,394 |
| 12% a year | ₹19,98,296 | ₹15,18,296 |
| 15% a year | ₹30,31,910 | ₹25,51,910 |
you invest the same ₹4,80,000 in every row. only the assumed return changes.
year by year at 12%
| after | invested | projected value |
|---|---|---|
| year 1 | ₹24,000 | ₹25,619 |
| year 2 | ₹48,000 | ₹54,486 |
| year 3 | ₹72,000 | ₹87,015 |
| year 4 | ₹96,000 | ₹1,23,670 |
| year 5 | ₹1,20,000 | ₹1,64,973 |
| year 10 | ₹2,40,000 | ₹4,64,678 |
| year 15 | ₹3,60,000 | ₹10,09,152 |
| year 20 | ₹4,80,000 | ₹19,98,296 |
with a 10% yearly step-up
if you raise the ₹2,000 by 10% every year (from month 13), the same 20 years at 12% grow to about ₹39,77,743 on ₹13,74,600 invested.
in today's money
at 6% inflation, ₹19,98,296 in 20 years buys about what ₹6,23,078 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) = ₹2,000 x ((1.01)^240 - 1) / 0.01 x 1.01 = ₹19,98,295.84.
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 ₹2,000 a month, other durations
5 years 10 years 15 years 25 years 30 years
other amounts for 20 years
₹1,000 ₹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 ₹2,000 SIP become in 20 years?
About ₹19,98,296 at an assumed 12% annual return. You invest ₹4,80,000 and the projected gain is about ₹15,18,296. At 10% it is about ₹15,31,394, at 15% about ₹30,31,910. Returns are not guaranteed.
How much do I invest in a ₹2,000 monthly SIP for 20 years?
₹4,80,000: ₹2,000 x 240 months.
What if I step up my ₹2,000 SIP by 10% every year for 20 years?
At 12% it grows to about ₹39,77,743, on ₹13,74,600 invested.