₹5,000 sip for 10 years
₹5,000 a month for 10 years grows to about ₹11,61,695 (11.62 lakh) at an assumed 12% annual return: you invest ₹6,00,000 and the projected gain is ₹5,61,695. at 10% it is about ₹10,32,760, at 15% about ₹13,93,286.
at different returns
| assumed return | projected value | projected gain |
|---|---|---|
| 8% a year | ₹9,20,828 | ₹3,20,828 |
| 10% a year | ₹10,32,760 | ₹4,32,760 |
| 12% a year | ₹11,61,695 | ₹5,61,695 |
| 15% a year | ₹13,93,286 | ₹7,93,286 |
you invest the same ₹6,00,000 in every row. only the assumed return changes.
year by year at 12%
| after | invested | projected value |
|---|---|---|
| year 1 | ₹60,000 | ₹64,047 |
| year 2 | ₹1,20,000 | ₹1,36,216 |
| year 3 | ₹1,80,000 | ₹2,17,538 |
| year 4 | ₹2,40,000 | ₹3,09,174 |
| year 5 | ₹3,00,000 | ₹4,12,432 |
| year 10 | ₹6,00,000 | ₹11,61,695 |
with a 10% yearly step-up
if you raise the ₹5,000 by 10% every year (from month 13), the same 10 years at 12% grow to about ₹16,87,163 on ₹9,56,245 invested.
in today's money
at 6% inflation, ₹11,61,695 in 10 years buys about what ₹6,48,685 buys today.
how this is worked out
monthly rate i = 12 / 12 / 100 = 1%, n = 120 months. with each payment at the start of the month, value = P x ((1 + i)^n - 1) / i x (1 + i) = ₹5,000 x ((1.01)^120 - 1) / 0.01 x 1.01 = ₹11,61,695.38.
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 ₹5,000 a month, other durations
5 years 15 years 20 years 25 years 30 years
other amounts for 10 years
₹1,000 ₹2,000 ₹3,000 ₹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 ₹5,000 SIP become in 10 years?
About ₹11,61,695 at an assumed 12% annual return. You invest ₹6,00,000 and the projected gain is about ₹5,61,695. At 10% it is about ₹10,32,760, at 15% about ₹13,93,286. Returns are not guaranteed.
How much do I invest in a ₹5,000 monthly SIP for 10 years?
₹6,00,000: ₹5,000 x 120 months.
What if I step up my ₹5,000 SIP by 10% every year for 10 years?
At 12% it grows to about ₹16,87,163, on ₹9,56,245 invested.