Monthly SIP returns at 12% — quick reference
The most commonly asked question in Indian personal finance: "If I invest ₹X per month, what will I get?" Here's your answer. All figures assume 12% annual return, which is a reasonable long-term estimate for diversified equity mutual funds.
| Monthly SIP | 5 Years | 10 Years | 15 Years | 20 Years |
|---|---|---|---|---|
| ₹500/mo | ₹41K | ₹1.16L | ₹2.52L | ₹4.95L |
| ₹1,000/mo | ₹82K | ₹2.32L | ₹5.04L | ₹9.9L |
| ₹2,000/mo | ₹1.64L | ₹4.64L | ₹10.1L | ₹19.8L |
| ₹5,000/mo | ₹4.1L | ₹11.6L | ₹25.2L | ₹49.5L |
| ₹10,000/mo | ₹8.2L | ₹23.2L | ₹50.4L | ₹99L |
| ₹20,000/mo | ₹16.4L | ₹46.4L | ₹1.01Cr | ₹1.98Cr |
| ₹50,000/mo | ₹41L | ₹1.16Cr | ₹2.52Cr | ₹4.95Cr |
How much SIP to reach common wealth goals?
Working backwards — if you have a target corpus in mind, here's the monthly SIP you need to reach it. All figures assume 12% annual return.
| Goal Corpus | 10 Years → SIP/mo | 15 Years → SIP/mo | 20 Years → SIP/mo |
|---|---|---|---|
| ₹25 Lakhs | ₹10,800 | ₹4,950 | ₹2,520 |
| ₹50 Lakhs | ₹21,600 | ₹9,900 | ₹5,050 |
| ₹1 Crore | ₹43,250 | ₹19,800 | ₹10,100 |
| ₹2 Crore | ₹86,500 | ₹39,600 | ₹20,200 |
| ₹5 Crore | ₹2.16L | ₹99,000 | ₹50,500 |
🔗 Related Tools on Aero Tools
How to choose the right monthly SIP amount
Start with your take-home salary. A good rule of thumb: invest 20–30% of your in-hand income via SIP. Use our salary calculator to find your exact in-hand pay.
Subtract your fixed monthly expenses (rent, EMIs, groceries, insurance). What's left is available for SIP and discretionary spending. Don't SIP so aggressively that you can't handle an emergency expense.
Use the calculator above to check whether your available SIP amount reaches your goal in your target timeframe. If not, extend the duration or increase the amount over time using Step-Up SIP (increasing SIP by 10% every year).
Frequently asked questions
How much will ₹5,000 SIP give after 10 years?
A ₹5,000/month SIP at 12% annual return for 10 years gives approximately ₹11.6 lakhs. You invested ₹6 lakhs and earned ₹5.6 lakhs as returns — nearly doubling your money through compounding.
How much SIP to get ₹1 crore?
At 12% annual return: ₹43,250/month for 10 years, ₹19,800/month for 15 years, or ₹10,100/month for 20 years. The monthly amount needed drops dramatically as you give compounding more time to work.
Is ₹500/month SIP worth it?
Absolutely. ₹500/month at 12% for 20 years gives ₹4.95 lakhs from only ₹1.2 lakhs invested. More importantly, starting with ₹500 builds the habit. Most investors gradually increase their SIP amount as their income grows — starting small is far better than not starting.
What is Step-Up SIP?
A Step-Up SIP automatically increases your monthly investment by a fixed percentage each year (commonly 10%). This aligns with salary increments and dramatically boosts your corpus. A ₹5,000/month SIP stepped up by 10% annually reaches ₹1 crore in about 17 years — vs 22 years with a flat ₹5,000 SIP.