₹5,000 SIP for 20 Years — What It Grows Into
Invest ₹5,000 every month for 20 years and you put in ₹12.0 L — at a 12% annual return that becomes roughly ₹50.0 L, of which ₹38.0 L is compounding doing the work. Step the SIP up 10% a year as your income grows and the same plan builds about ₹99.4 L instead. The sliders below start at these numbers — drag them to make the plan yours.
| Annual return | Invested | Est. gains | Total corpus |
|---|---|---|---|
| 10% | ₹12.0 L | ₹26.3 L | ₹38.3 L |
| 12% | ₹12.0 L | ₹38.0 L | ₹50.0 L |
| 14% | ₹12.0 L | ₹53.8 L | ₹65.8 L |
Assumes returns compound monthly at a constant rate — real market returns vary year to year. Projection, not a promise; not investment advice.
Want to see what this SIP would have actually returned in a real fund, year by real year? The main SIP calculator's backtest mode replays it through any top-scoring Indian fund's calendar-year returns.
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FundLens is a research tool, not a SEBI-registered investment adviser; nothing here is a recommendation to buy or sell. Figures assume returns compound monthly at a constant rate — real market returns vary year to year, and past returns don't guarantee future results.