Mutual fund SIP
SIP of ₹5,000 per month for 5, 10, 15, 20 or 30 years — maturity table at 10%, 12% and 15% returns, plus a free calculator. Hinglish guide.
₹5,000 per month for 10 years (₹6 lakh invested) grows to about ₹11.62 lakh at 12% a year, and to ₹49.96 lakh in 20 years (₹12 lakh invested).
Returns are not guaranteed — equity mutual fund returns vary year to year. Use the calculator to try your own return and period.
Updated 2 October 2026
Values assume the SIP is paid at the start of every month and returns compound monthly — the same method most Indian SIP calculators use.
| Period | Total invested | At 10% | At 12% | At 15% |
|---|---|---|---|---|
| 5 years | ₹3,00,000 | ₹3.90 lakh | ₹4.12 lakh | ₹4.48 lakh |
| 10 years | ₹6,00,000 | ₹10.33 lakh | ₹11.62 lakh | ₹13.93 lakh |
| 15 years | ₹9,00,000 | ₹20.90 lakh | ₹25.23 lakh | ₹33.84 lakh |
| 20 years | ₹12,00,000 | ₹38.28 lakh | ₹49.96 lakh | ₹75.80 lakh |
| 25 years | ₹15,00,000 | ₹66.89 lakh | ₹94.88 lakh | ₹1.64 crore |
| 30 years | ₹18,00,000 | ₹1.14 crore | ₹1.76 crore | ₹3.50 crore |
Agar aap har mahine ₹5,000 ki SIP karte hain to 10 saal me aap ₹6 lakh lagate hain. 12% saalana return maan kar ye lagbhag ₹11.62 lakh ho sakta hai. Asli kamaal lambe samay me hota hai — 20 saal me invested ₹12 lakh lagbhag ₹49.96 lakh ban sakta hai, kyunki return par bhi return milta hai (compounding).
Dhyan rahe: ye sirf anuman hai. Market upar-neeche hota hai, isliye kisi saal return negative bhi ho sakta hai.
FV = P × [((1 + i)^n − 1) ÷ i] × (1 + i), where P is the monthly SIP, i is the monthly rate (annual rate ÷ 12 ÷ 100) and n is the number of months.
Example: P = ₹5,000, annual return 12% → i = 0.01; n = 120 months. FV ≈ ₹11,61,695.
For many first-time investors in India ₹5,000 is a realistic start. Use the table to match it to a goal: for example, about ₹10–11 lakh in 15 years at 10–12% could fund a child’s higher education deposit; about ₹50 lakh in 25–30 years could support retirement along with EPF/NPS. Revisit the amount whenever your salary rises.
About ₹11.62 lakh at an assumed 12% annual return, on a total investment of ₹6 lakh. At 10% it is about ₹10.33 lakh.
12% return par lagbhag ₹49.96 lakh, jabki aapka kul nivesh ₹12 lakh hoga.
Many planners use 10–12% for long-term equity funds as a reasonable planning range, and lower (6–8%) for debt or hybrid funds. Past returns do not guarantee future returns.
Gains on equity mutual funds are taxed as capital gains when you redeem; the rate depends on how long you held the units. Check the current capital-gains rules before you redeem.
Yes. Most funds let you add a new SIP or use a top-up / step-up facility. A 10% yearly step-up can make a large difference over 15–20 years.