SIP of ₹5,000 per month for 20 years
Investing ₹5,000 every month for 20 years puts in ₹12 lakh.
At a 12% annual return that could grow to about ₹49.96 lakh, of which ₹37.96 lakh is returns. Fund returns are market-linked and not guaranteed, so the tables below also show 8%, 10% and 15%.
What ₹5,000 a month for 20 years can grow to
You invest ₹12 lakh in total (₹5,000 × 240 months). The final value depends almost entirely on the return, so the table shows four scenarios rather than one answer.
| Annual return | Invested | Estimated value | Returns | Value ÷ invested |
|---|---|---|---|---|
| 8% | ₹12,00,000 | ₹29,64,736 | ₹17,64,736 | 2.47× |
| 10% | ₹12,00,000 | ₹38,28,485 | ₹26,28,485 | 3.19× |
| 12% | ₹12,00,000 | ₹49,95,740 | ₹37,95,740 | 4.16× |
| 15% | ₹12,00,000 | ₹75,79,775 | ₹63,79,775 | 6.32× |
Year-by-year growth at 12%
Returns overtake the money you put in during year 11.
The corpus reaches half its final value only in year 15 of 20: compounding does most of its work at the end, which is why stopping a SIP early costs more than the missed instalments.
| Year | Invested | Value | Returns so far |
|---|---|---|---|
| 1 | ₹60,000 | ₹64,047 | ₹4,047 |
| 2 | ₹1,20,000 | ₹1,36,216 | ₹16,216 |
| 3 | ₹1,80,000 | ₹2,17,538 | ₹37,538 |
| 4 | ₹2,40,000 | ₹3,09,174 | ₹69,174 |
| 5 | ₹3,00,000 | ₹4,12,432 | ₹1,12,432 |
| 6 | ₹3,60,000 | ₹5,28,785 | ₹1,68,785 |
| 7 | ₹4,20,000 | ₹6,59,895 | ₹2,39,895 |
| 8 | ₹4,80,000 | ₹8,07,633 | ₹3,27,633 |
| 9 | ₹5,40,000 | ₹9,74,108 | ₹4,34,108 |
| 10 | ₹6,00,000 | ₹11,61,695 | ₹5,61,695 |
| 11 | ₹6,60,000 | ₹13,73,074 | ₹7,13,074 |
| 12 | ₹7,20,000 | ₹16,11,261 | ₹8,91,261 |
| 13 | ₹7,80,000 | ₹18,79,656 | ₹10,99,656 |
| 14 | ₹8,40,000 | ₹21,82,090 | ₹13,42,090 |
| 15 | ₹9,00,000 | ₹25,22,880 | ₹16,22,880 |
| 16 | ₹9,60,000 | ₹29,06,891 | ₹19,46,891 |
| 17 | ₹10,20,000 | ₹33,39,604 | ₹23,19,604 |
| 18 | ₹10,80,000 | ₹38,27,196 | ₹27,47,196 |
| 19 | ₹11,40,000 | ₹43,76,627 | ₹32,36,627 |
| 20 | ₹12,00,000 | ₹49,95,740 | ₹37,95,740 |
With an annual step-up
Raising the SIP by 10% every year (₹5,000 a month in year 1, ₹5,500 in year 2 and so on) means investing ₹34.36 lakh and could grow to ₹99.44 lakh at 12%, ₹49.49 lakh more than a flat SIP.
| Plan | Total invested | Value at 12% |
|---|---|---|
| Flat SIP | ₹12,00,000 | ₹49,95,740 |
| 5% step-up | ₹19,83,957 | ₹68,68,812 |
| 10% step-up | ₹34,36,500 | ₹99,44,358 |
What it is worth in today's money
At 6% inflation a year, ₹49.96 lakh in 20 years buys roughly what ₹15.58 lakh buys today. The 6% is an assumption, not a forecast; change it in the inflation calculator.
Tax if you redeem everything (equity funds)
Selling the whole holding at the end of year 20 at 12% would realise ₹37.92 lakh of long-term gains and ₹4,047 of short-term gains, because the last 12 instalments are held 12 months or less.
Long-term gains above ₹1.25 lakh in a financial year are taxed at 12.5% and short-term gains at 20%, plus 4% cess: about ₹4,77,512 in total here. Splitting redemptions across financial years uses the ₹1.25 lakh exemption more than once.
This applies to equity-oriented funds (STT paid) under the rules for transfers from 23 July 2024. Surcharge, losses and the basic-exemption set-off are not included, and debt funds are taxed differently.
| Item | Amount |
|---|---|
| Long-term gains | ₹37,91,693 |
| Exempt (₹1.25 lakh limit) | ₹1,25,000 |
| Short-term gains | ₹4,047 |
| Tax before cess | ₹4,59,146 |
| Cess (4%) | ₹18,366 |
| Total tax | ₹4,77,512 |
Change any field above to test your own numbers, or open the full SIP Calculator.
Other SIP examples
- ₹1,000 a month for 10 years
- ₹5,000 a month for 10 years
- ₹5,000 a month for 15 years
- ₹10,000 a month for 10 years
- ₹10,000 a month for 15 years
- ₹10,000 a month for 20 years
- ₹25,000 a month for 20 years
Frequently asked questions
How much will a ₹5,000 SIP give in 20 years?
About ₹38.28 lakh at 10% a year, ₹49.96 lakh at 12% and ₹75.8 lakh at 15%, on ₹12 lakh invested. These are estimates with a constant return; actual fund returns vary.
What would 25 years give instead of 20?
Five more years of ₹5,000 a month (₹15 lakh invested in total) could take the value to about ₹94.88 lakh at 12%, ₹44.92 lakh more for ₹3 lakh of extra investment.
How much SIP do I need for ₹50 lakh in 20 years?
About ₹5,005 a month at 12% a year. That works out to the target divided by what ₹1 a month grows to over the same period; change the monthly amount in the calculator above to test other targets.
Is 12% a realistic return?
It is a common planning assumption for diversified equity funds over long periods, not a forecast or a guarantee. Plan with the 8% or 10% rows if you want a margin of safety.
Learn more
Estimates, not tax or legal advice. Results come from the published rules for the cases this calculator covers; your own circumstances can change them.
Last checked 2026-11-04 by the TakeHomeWorld editors · How we calculate and check rates · Runs entirely in your browser; nothing you type is stored.