₹2,000 sip for 5 years
₹2,000 a month for 5 years grows to about ₹1,64,973 (1.65 lakh) at an assumed 12% annual return: you invest ₹1,20,000 and the projected gain is ₹44,973. at 10% it is about ₹1,56,165, at 15% about ₹1,79,363.
at different returns
| assumed return | projected value | projected gain |
|---|---|---|
| 8% a year | ₹1,47,933 | ₹27,933 |
| 10% a year | ₹1,56,165 | ₹36,165 |
| 12% a year | ₹1,64,973 | ₹44,973 |
| 15% a year | ₹1,79,363 | ₹59,363 |
you invest the same ₹1,20,000 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 |
with a 10% yearly step-up
if you raise the ₹2,000 by 10% every year (from month 13), the same 5 years at 12% grow to about ₹1,96,914 on ₹1,46,522 invested.
in today's money
at 6% inflation, ₹1,64,973 in 5 years buys about what ₹1,23,277 buys today.
how this is worked out
monthly rate i = 12 / 12 / 100 = 1%, n = 60 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)^60 - 1) / 0.01 x 1.01 = ₹1,64,972.73.
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
10 years 15 years 20 years 25 years 30 years
other amounts for 5 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 5 years?
About ₹1,64,973 at an assumed 12% annual return. You invest ₹1,20,000 and the projected gain is about ₹44,973. At 10% it is about ₹1,56,165, at 15% about ₹1,79,363. Returns are not guaranteed.
How much do I invest in a ₹2,000 monthly SIP for 5 years?
₹1,20,000: ₹2,000 x 60 months.
What if I step up my ₹2,000 SIP by 10% every year for 5 years?
At 12% it grows to about ₹1,96,914, on ₹1,46,522 invested.