₹5,000 per month SIP Returns
At 12% expected annual return - adjust below to match your actual return assumptions.
Corpus (15 years)
₹25.23 lakh
at 12% p.a.
Total Invested
₹9.00 lakh
at 12% p.a.
Wealth Gained
₹16.23 lakh
at 12% p.a.
₹5,000/month SIP - Returns Across Time Horizons (at 12%)
| Duration | Total Invested | Wealth Gained | Final Corpus |
|---|---|---|---|
| 5 years | ₹3.00 lakh | ₹1.12 lakh | ₹4.12 lakh |
| 10 years | ₹6.00 lakh | ₹5.62 lakh | ₹11.62 lakh |
| 15 years | ₹9.00 lakh | ₹16.23 lakh | ₹25.23 lakh |
| 20 years | ₹12.00 lakh | ₹37.96 lakh | ₹49.96 lakh |
| 25 years | ₹15.00 lakh | ₹79.88 lakh | ₹94.88 lakh |
| 30 years | ₹18.00 lakh | ₹1.58 crore | ₹1.76 crore |
Adjust to your exact SIP terms
Future Value
₹25.23 L
In today's money: ₹10.53 L(6% inflation)
Total Invested
₹9 L
Wealth Gained
₹16.23 L
Investment Growth Over Time
What SIP do I need to reach a goal?
What will ₹5,000 SIP return after 15 years?
A ₹5,000 per month SIP for 15 years at 12% annual returns (the historical average for diversified equity mutual funds in India) grows to approximately ₹25.23 lakh. You invest ₹9.00 lakh in total and the remaining ₹16.23 lakh is pure compounding - returns earned on your previous returns.
These projections assume a constant 12% annual return. Actual mutual fund returns vary year to year. Use the calculator above to model different return scenarios (10%, 12%, 15%) and durations.
₹5,000/month at different return rates (20 years)
| Annual return | Corpus (20 yr) | Wealth gained |
|---|---|---|
| 10% · conservative | ₹38.28 lakh | ₹26.28 lakh |
| 12% (used here) | ₹49.96 lakh | ₹37.96 lakh |
| 15% · aggressive | ₹75.80 lakh | ₹63.80 lakh |
Step it up 10%/year
₹99.45 lakh
about ₹49.49 lakh more than a flat SIP over 20 years.
Worth in today's money
₹15.58 lakh
the 20-year corpus adjusted for 6% inflation.
Frequently Asked Questions
What will ₹5,000 per month SIP give after 15 years?▾
A ₹5,000 per month SIP for 15 years at 12% expected annual return (historical equity average) grows to approximately ₹25.23 lakh. You invest ₹9.00 lakh in total, and ₹16.23 lakh of that is wealth gained through compounding.
How much will ₹5,000 SIP grow in 20 years?▾
At 12% annual returns, ₹5,000 per month SIP for 20 years grows to ₹49.96 lakh from ₹12.00 lakh invested. The extra 5 years over a 15-year SIP adds far more than 5 years of contributions, because the later years compound on a much larger base.
How much does the return rate matter for ₹5,000 SIP?▾
A lot. Over 20 years, ₹5,000/month gives about ₹38.28 lakh at a conservative 10%, ₹49.96 lakh at 12%, and ₹75.80 lakh at an aggressive 15%. Plan with 10–12% and treat higher returns as a bonus, since equity returns are never guaranteed.
What if I step up ₹5,000 SIP by 10% a year?▾
Raising ₹5,000/month by 10% each year (in line with salary hikes) grows the 20-year corpus to about ₹99.45 lakh — roughly ₹49.49 lakh more than a flat SIP. Step-up SIPs are one of the simplest ways to reach a bigger goal.
What is ₹49.96 lakh worth in today's money?▾
Adjusted for 6% inflation, the ₹49.96 lakh corpus after 20 years is worth about ₹15.58 lakh in today's purchasing power. Equity SIPs are used precisely because they aim to outpace inflation over long periods.
Is ₹5,000 per month SIP enough to retire?▾
It depends on your age, retirement age, and expenses. At 12% for 25 years, ₹5,000/month grows to ₹94.88 lakh. As a rough guide, you need a corpus of about 25–30× your annual expenses at retirement — use the calculator to work backwards from your target.