₹5,000 sip for 5 years
₹5,000 a month for 5 years grows to about ₹4,12,432 (4.12 lakh) at an assumed 12% annual return: you invest ₹3,00,000 and the projected gain is ₹1,12,432. at 10% it is about ₹3,90,412, at 15% about ₹4,48,408.
at different returns
| assumed return | projected value | projected gain |
|---|---|---|
| 8% a year | ₹3,69,834 | ₹69,834 |
| 10% a year | ₹3,90,412 | ₹90,412 |
| 12% a year | ₹4,12,432 | ₹1,12,432 |
| 15% a year | ₹4,48,408 | ₹1,48,408 |
you invest the same ₹3,00,000 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 |
with a 10% yearly step-up
if you raise the ₹5,000 by 10% every year (from month 13), the same 5 years at 12% grow to about ₹4,92,285 on ₹3,66,306 invested.
in today's money
at 6% inflation, ₹4,12,432 in 5 years buys about what ₹3,08,193 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) = ₹5,000 x ((1.01)^60 - 1) / 0.01 x 1.01 = ₹4,12,431.83.
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
10 years 15 years 20 years 25 years 30 years
other amounts for 5 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 5 years?
About ₹4,12,432 at an assumed 12% annual return. You invest ₹3,00,000 and the projected gain is about ₹1,12,432. At 10% it is about ₹3,90,412, at 15% about ₹4,48,408. Returns are not guaranteed.
How much do I invest in a ₹5,000 monthly SIP for 5 years?
₹3,00,000: ₹5,000 x 60 months.
What if I step up my ₹5,000 SIP by 10% every year for 5 years?
At 12% it grows to about ₹4,92,285, on ₹3,66,306 invested.