₹2,000 a month SIP: how much will it grow?
Rules for FY 2026-27 · Checked 24 October 2026
Short answer
At 12% a year, a ₹2,000 monthly SIP grows to ₹4.65L in 10 years and ₹19.98L in 20 years. It reaches ₹1 crore in about 32 years 11 months. Returns are not guaranteed; the table shows 10% and 14% too.
- After 10 years₹4.65L₹2.4L invested
- After 20 years₹19.98L₹4.8L invested
- With 10% yearly step-up₹39.78LAfter 20 years
- To reach ₹1 crore33 yearsAt 12% a year
₹2,000 SIP returns table
| Years | Invested | At 10% | At 12% | At 14% |
|---|---|---|---|---|
| 5 years | ₹1.2L | ₹1.56L | ₹1.65L | ₹1.74L |
| 10 years | ₹2.4L | ₹4.13L | ₹4.65L | ₹5.24L |
| 15 years | ₹3.6L | ₹8.36L | ₹10.09L | ₹12.26L |
| 20 years | ₹4.8L | ₹15.31L | ₹19.98L | ₹26.33L |
| 25 years | ₹6L | ₹26.76L | ₹37.95L | ₹54.55L |
| 30 years | ₹7.2L | ₹45.59L | ₹70.6L | ₹1.11Cr |
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₹19,98,296
19.98 lakh from ₹4,80,000 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 ₹36.3L.
Total value₹19.98L
- Amount invested₹4,80,000
- Estimated returns₹15,18,296
Year-by-year table
| Year | Invested | Returns | Value |
|---|---|---|---|
| 1 | ₹24,000 | ₹1,619 | ₹25,619 |
| 2 | ₹48,000 | ₹6,486 | ₹54,486 |
| 3 | ₹72,000 | ₹15,015 | ₹87,015 |
| 4 | ₹96,000 | ₹27,670 | ₹1,23,670 |
| 5 | ₹1,20,000 | ₹44,973 | ₹1,64,973 |
| 6 | ₹1,44,000 | ₹67,514 | ₹2,11,514 |
| 7 | ₹1,68,000 | ₹95,958 | ₹2,63,958 |
| 8 | ₹1,92,000 | ₹1,31,053 | ₹3,23,053 |
| 9 | ₹2,16,000 | ₹1,73,643 | ₹3,89,643 |
| 10 | ₹2,40,000 | ₹2,24,678 | ₹4,64,678 |
| 11 | ₹2,64,000 | ₹2,85,230 | ₹5,49,230 |
| 12 | ₹2,88,000 | ₹3,56,504 | ₹6,44,504 |
| 13 | ₹3,12,000 | ₹4,39,862 | ₹7,51,862 |
| 14 | ₹3,36,000 | ₹5,36,836 | ₹8,72,836 |
| 15 | ₹3,60,000 | ₹6,49,152 | ₹10,09,152 |
| 16 | ₹3,84,000 | ₹7,78,756 | ₹11,62,756 |
| 17 | ₹4,08,000 | ₹9,27,842 | ₹13,35,842 |
| 18 | ₹4,32,000 | ₹10,98,878 | ₹15,30,878 |
| 19 | ₹4,56,000 | ₹12,94,651 | ₹17,50,651 |
| 20 | ₹4,80,000 | ₹15,18,296 | ₹19,98,296 |
Frequently asked questions
How much will a ₹2,000 SIP be worth in 10 years?
About ₹4.65L at 12% a year, from ₹2.4L invested. At 10% it would be ₹4.13L.
How much will a ₹2,000 SIP be worth in 20 years?
About ₹19.98L at 12% a year. Raising the SIP by 10% every year takes it to about ₹39.78L.
How long does a ₹2,000 SIP take to reach ₹1 crore?
About 32 years 11 months at 12% a year, if you keep investing every month.