How Much Will Your SIP Grow? Real Numbers for ₹1,000 to ₹50,000/Month
Stop guessing. Here are exact SIP return tables for every budget — at 10%, 12%, and 15% returns — over 5 to 30 years. Plus how much SIP you need to reach ₹1 crore, and the step-up SIP math most advisors won’t show you.
If you’ve ever opened a SIP calculator, entered some numbers, and stared at the result wondering “is this real?” — you’re not alone. Most Indians starting their SIP journey in 2026 have two questions: how much should I invest, and how much will I actually get back?
This article gives you real, tabulated numbers — not vague promises. We’ll show you exactly what ₹1,000, ₹5,000, ₹10,000, ₹20,000, and ₹50,000 per month grows into over 5, 10, 15, 20, and 30 years at realistic return rates. No filler, no jargon — just the math you need.
A Systematic Investment Plan (SIP) lets you invest a fixed amount every month into a mutual fund. The money buys units of the fund at the prevailing NAV. As markets rise, those units grow in value. Over years, the compounding of returns turns modest monthly contributions into substantial wealth.
The SIP calculator matters because compounding is counterintuitive. Most people underestimate how much their money grows — and overestimate how much they need to invest to reach a goal. The calculator removes both errors in seconds.
The formula behind every SIP result is: FV = P × [((1 + r)ⁿ – 1) / r] × (1 + r), where P is your monthly SIP, r is the monthly return rate (annual ÷ 12), and n is total months. Our SIP calculator runs this for you in real time.
| Monthly SIP | 5 Years | 10 Years | 15 Years | 20 Years | 30 Years |
|---|---|---|---|---|---|
| ₹1,000 | ₹0.82L | ₹2.32L | ₹5.03L | ₹9.99L | ₹35.24L |
| ₹3,000 | ₹2.47L | ₹6.97L | ₹15.09L | ₹29.98L | ₹1.06Cr |
| ₹5,000 | ₹4.12L | ₹11.61L | ₹25.15L | ₹49.96L | ₹1.76Cr |
| ₹10,000 | ₹8.24L | ₹23.23L | ₹50.30L | ₹99.92L | ₹3.52Cr |
| ₹20,000 | ₹16.48L | ₹46.45L | ₹1.01Cr | ₹1.99Cr | ₹7.05Cr |
| ₹50,000 | ₹41.20L | ₹1.16Cr | ₹2.52Cr | ₹4.99Cr | ₹17.62Cr |
⚡ Use our SIP Calculator to get exact figures for your specific amount, tenure, and return rate — including a year-by-year breakdown.
| Monthly SIP | 10 Years | 15 Years | 20 Years | 30 Years |
|---|---|---|---|---|
| ₹5,000 | ₹10.33L | ₹20.92L | ₹38.28L | ₹1.13Cr |
| ₹10,000 | ₹20.66L | ₹41.83L | ₹76.57L | ₹2.26Cr |
| ₹20,000 | ₹41.31L | ₹83.66L | ₹1.53Cr | ₹4.53Cr |
| ₹50,000 | ₹1.03Cr | ₹2.09Cr | ₹3.83Cr | ₹11.32Cr |
| Monthly SIP | 10 Years | 15 Years | 20 Years | 30 Years |
|---|---|---|---|---|
| ₹5,000 | ₹13.93L | ₹33.70L | ₹75.88L | ₹3.50Cr |
| ₹10,000 | ₹27.87L | ₹67.40L | ₹1.52Cr | ₹7.00Cr |
| ₹20,000 | ₹55.74L | ₹1.35Cr | ₹3.04Cr | ₹14.00Cr |
| ₹50,000 | ₹1.39Cr | ₹3.37Cr | ₹7.59Cr | ₹35.01Cr |
One crore is the most-searched SIP goal in India. Here’s the monthly SIP required to reach ₹1 crore at 12% annual return across different time horizons:
| Time Horizon | Monthly SIP Needed | Total Invested | Compounding Creates |
|---|---|---|---|
| 10 Years | ₹43,100/month | ₹51.72L | ₹48.28L |
| 15 Years | ₹19,900/month | ₹35.82L | ₹64.18L |
| 20 Years | ₹10,010/month | ₹24.02L | ₹75.98L |
| 25 Years | ₹5,322/month | ₹15.97L | ₹84.03L |
| 30 Years | ₹2,862/month | ₹10.30L | ₹89.70L |
A step-up SIP increases your monthly contribution by a fixed percentage every year — typically matching your annual salary increment. If you start with ₹5,000/month and increase by 10% each year at 12% returns, here’s the 20-year comparison:
| Fund Category | Realistic 15Y CAGR | Risk Level | Best For |
|---|---|---|---|
| Large Cap Index (Nifty 50) | 10–11% | Low–Medium | Beginners, conservative investors |
| Large & Mid Cap | 12–13% | Medium | 5+ year horizon, balanced risk |
| Flexi Cap / Multi Cap | 12–14% | Medium | Core portfolio holding |
| Mid Cap | 14–16% | High | 10+ year horizon, growth-focused |
| Small Cap | 15–18% | Very High | 15+ year horizon, aggressive |
| ELSS (Tax Saving) | 12–14% | Medium–High | Section 80C tax saving + wealth |
💡 Also compare SIP vs PPF using our PPF Calculator — useful if you want a tax-free guaranteed component alongside equity SIPs.
Is SIP 100% safe?
No. SIPs in equity mutual funds are market-linked. You can get negative returns in the short term. However, historical data shows that any 15-year SIP period in diversified equity funds has delivered positive real returns. Time in the market reduces risk substantially.
Can I start a SIP with ₹500/month?
Yes. Most mutual fund platforms allow SIPs from ₹100–500/month. At ₹500/month for 20 years at 12%, you accumulate approximately ₹4.99 lakhs. Small amounts compound meaningfully over decades — the key is starting now.
What happens if I miss an SIP instalment?
Your SIP simply skips that month. Unlike RDs or insurance premiums, missing an SIP doesn’t incur penalties. However, consistent investment is what builds the corpus — try not to make missing a habit. The SIP calculator assumes zero missed months.
Which is better: daily SIP or monthly SIP?
For most investors, monthly SIP is simpler and equally effective. Daily SIP provides marginally better rupee cost averaging but the difference over 10+ years is typically under 0.5% in returns. Use monthly SIP unless your platform specifically recommends daily.
How does SIP compare to FD or PPF?
For long horizons (10+ years), equity SIP historically outperforms both FD and PPF significantly. A ₹5,000/month SIP at 12% for 15 years gives ₹25.15L vs ₹16.42L in PPF. But SIP carries market risk while PPF is guaranteed. See our detailed comparison guide for the full breakdown.