₹15,000 a month SIP: how much will it grow?
Rules for FY 2026-27 · Checked 24 October 2026
Short answer
At 12% a year, a ₹15,000 monthly SIP grows to ₹34.85L in 10 years and ₹1.5Cr in 20 years. It reaches ₹1 crore in about 17 years. Returns are not guaranteed; the table shows 10% and 14% too.
- After 10 years₹34.85L₹18L invested
- After 20 years₹1.5Cr₹36L invested
- With 10% yearly step-up₹2.98CrAfter 20 years
- To reach ₹1 crore17 yearsAt 12% a year
₹15,000 SIP returns table
| Years | Invested | At 10% | At 12% | At 14% |
|---|---|---|---|---|
| 5 years | ₹9L | ₹11.71L | ₹12.37L | ₹13.08L |
| 10 years | ₹18L | ₹30.98L | ₹34.85L | ₹39.31L |
| 15 years | ₹27L | ₹62.69L | ₹75.69L | ₹91.93L |
| 20 years | ₹36L | ₹1.15Cr | ₹1.5Cr | ₹1.97Cr |
| 25 years | ₹45L | ₹2.01Cr | ₹2.85Cr | ₹4.09Cr |
| 30 years | ₹54L | ₹3.42Cr | ₹5.29Cr | ₹8.34Cr |
Each instalment is invested at the start of the month and compounds monthly. Mutual fund returns go up and down; use the rates as a range, not a promise.
Change the numbers
Value after 20 years₹1,49,87,219
1.5 crore from ₹36,00,000 invested.
- Your money grows 4.16×.
- From year 11, your returns are bigger than everything you put in.
- Leave it 5 more years and it becomes ₹2.72Cr.
Total value₹1.5Cr
- Amount invested₹36,00,000
- Estimated returns₹1,13,87,219
Year-by-year table
| Year | Invested | Returns | Value |
|---|---|---|---|
| 1 | ₹1,80,000 | ₹12,140 | ₹1,92,140 |
| 2 | ₹3,60,000 | ₹48,648 | ₹4,08,648 |
| 3 | ₹5,40,000 | ₹1,12,615 | ₹6,52,615 |
| 4 | ₹7,20,000 | ₹2,07,523 | ₹9,27,523 |
| 5 | ₹9,00,000 | ₹3,37,295 | ₹12,37,295 |
| 6 | ₹10,80,000 | ₹5,06,355 | ₹15,86,355 |
| 7 | ₹12,60,000 | ₹7,19,685 | ₹19,79,685 |
| 8 | ₹14,40,000 | ₹9,82,898 | ₹24,22,898 |
| 9 | ₹16,20,000 | ₹13,02,323 | ₹29,22,323 |
| 10 | ₹18,00,000 | ₹16,85,086 | ₹34,85,086 |
| 11 | ₹19,80,000 | ₹21,39,222 | ₹41,19,222 |
| 12 | ₹21,60,000 | ₹26,73,783 | ₹48,33,783 |
| 13 | ₹23,40,000 | ₹32,98,967 | ₹56,38,967 |
| 14 | ₹25,20,000 | ₹40,26,269 | ₹65,46,269 |
| 15 | ₹27,00,000 | ₹48,68,640 | ₹75,68,640 |
| 16 | ₹28,80,000 | ₹58,40,673 | ₹87,20,673 |
| 17 | ₹30,60,000 | ₹69,58,812 | ₹1,00,18,812 |
| 18 | ₹32,40,000 | ₹82,41,589 | ₹1,14,81,589 |
| 19 | ₹34,20,000 | ₹97,09,881 | ₹1,31,29,881 |
| 20 | ₹36,00,000 | ₹1,13,87,219 | ₹1,49,87,219 |
Frequently asked questions
How much will a ₹15,000 SIP be worth in 10 years?
About ₹34.85L at 12% a year, from ₹18L invested. At 10% it would be ₹30.98L.
How much will a ₹15,000 SIP be worth in 20 years?
About ₹1.5Cr at 12% a year. Raising the SIP by 10% every year takes it to about ₹2.98Cr.
How long does a ₹15,000 SIP take to reach ₹1 crore?
About 17 years at 12% a year, if you keep investing every month.