₹2,500 a month SIP: how much will it grow?
Rules for FY 2026-27 · Checked 24 October 2026
Short answer
At 12% a year, a ₹2,500 monthly SIP grows to ₹5.81L in 10 years and ₹24.98L in 20 years. It reaches ₹1 crore in about 31 years 1 month. Returns are not guaranteed; the table shows 10% and 14% too.
- After 10 years₹5.81L₹3L invested
- After 20 years₹24.98L₹6L invested
- With 10% yearly step-up₹49.72LAfter 20 years
- To reach ₹1 crore32 yearsAt 12% a year
₹2,500 SIP returns table
| Years | Invested | At 10% | At 12% | At 14% |
|---|---|---|---|---|
| 5 years | ₹1.5L | ₹1.95L | ₹2.06L | ₹2.18L |
| 10 years | ₹3L | ₹5.16L | ₹5.81L | ₹6.55L |
| 15 years | ₹4.5L | ₹10.45L | ₹12.61L | ₹15.32L |
| 20 years | ₹6L | ₹19.14L | ₹24.98L | ₹32.91L |
| 25 years | ₹7.5L | ₹33.45L | ₹47.44L | ₹68.18L |
| 30 years | ₹9L | ₹56.98L | ₹88.25L | ₹1.39Cr |
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₹24,97,870
24.98 lakh from ₹6,00,000 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 ₹45.38L.
Total value₹24.98L
- Amount invested₹6,00,000
- Estimated returns₹18,97,870
Year-by-year table
| Year | Invested | Returns | Value |
|---|---|---|---|
| 1 | ₹30,000 | ₹2,023 | ₹32,023 |
| 2 | ₹60,000 | ₹8,108 | ₹68,108 |
| 3 | ₹90,000 | ₹18,769 | ₹1,08,769 |
| 4 | ₹1,20,000 | ₹34,587 | ₹1,54,587 |
| 5 | ₹1,50,000 | ₹56,216 | ₹2,06,216 |
| 6 | ₹1,80,000 | ₹84,393 | ₹2,64,393 |
| 7 | ₹2,10,000 | ₹1,19,947 | ₹3,29,947 |
| 8 | ₹2,40,000 | ₹1,63,816 | ₹4,03,816 |
| 9 | ₹2,70,000 | ₹2,17,054 | ₹4,87,054 |
| 10 | ₹3,00,000 | ₹2,80,848 | ₹5,80,848 |
| 11 | ₹3,30,000 | ₹3,56,537 | ₹6,86,537 |
| 12 | ₹3,60,000 | ₹4,45,630 | ₹8,05,630 |
| 13 | ₹3,90,000 | ₹5,49,828 | ₹9,39,828 |
| 14 | ₹4,20,000 | ₹6,71,045 | ₹10,91,045 |
| 15 | ₹4,50,000 | ₹8,11,440 | ₹12,61,440 |
| 16 | ₹4,80,000 | ₹9,73,445 | ₹14,53,445 |
| 17 | ₹5,10,000 | ₹11,59,802 | ₹16,69,802 |
| 18 | ₹5,40,000 | ₹13,73,598 | ₹19,13,598 |
| 19 | ₹5,70,000 | ₹16,18,314 | ₹21,88,314 |
| 20 | ₹6,00,000 | ₹18,97,870 | ₹24,97,870 |
Frequently asked questions
How much will a ₹2,500 SIP be worth in 10 years?
About ₹5.81L at 12% a year, from ₹3L invested. At 10% it would be ₹5.16L.
How much will a ₹2,500 SIP be worth in 20 years?
About ₹24.98L at 12% a year. Raising the SIP by 10% every year takes it to about ₹49.72L.
How long does a ₹2,500 SIP take to reach ₹1 crore?
About 31 years 1 month at 12% a year, if you keep investing every month.