SIP Calculator: ₹25,000/month for 5 Years

A monthly SIP of ₹25,000 for 5 years at 12% annual returns grows to approximately ₹20.62 L. You invest ₹15.00 L in total, and ₹5.62 L of that is wealth gained from compounding — a 37% gain on your invested capital.

SIP outcomes are very sensitive to returns. For ₹25,000/month over 5 years: at a conservative 10% you'd have about ₹19.52 L, at 12% about ₹20.62 L, and at an aggressive 15% about ₹22.42 L. Equity mutual funds have historically averaged 11–13% over long periods, but returns are never guaranteed.

Increasing your SIP by 10% a year (in line with salary hikes) turns this plan into about ₹24.61 L — roughly ₹3.99 L more than a flat ₹25,000 SIP, for the same starting amount. A step-up SIP is one of the most effective ways to build a larger corpus without straining your budget early on.

Adjusted for 6% inflation, the ₹20.62 L you'd have after 5 years is worth about ₹15.41 L in today's purchasing power. Inflation is why equity SIPs matter — they aim to grow faster than inflation, unlike a savings account.

Any SIP amount works as long as it is consistent and started early. ₹25,000/month for 5 years builds ₹20.62 L from just ₹15.00 L invested. Starting earlier and stepping up over time matter far more than the exact starting amount.

For long horizons (5 years), diversified large-cap, flexi-cap, or index funds are commonly used core holdings; ELSS funds add an 80C tax benefit. Category averages have been 11–14% over 10+ years, but past performance doesn't guarantee future returns. Consult a SEBI-registered advisor before choosing a specific fund.