₹5,000 a month SIP: how much will it grow?
Rules for FY 2026-27 · Checked 24 October 2026
Short answer
At 12% a year, a ₹5,000 monthly SIP grows to ₹11.62L in 10 years and ₹49.96L in 20 years. It reaches ₹1 crore in about 25 years 6 months. Returns are not guaranteed; the table shows 10% and 14% too.
- After 10 years₹11.62L₹6L invested
- After 20 years₹49.96L₹12L invested
- With 10% yearly step-up₹99.44LAfter 20 years
- To reach ₹1 crore26 yearsAt 12% a year
₹5,000 SIP returns table
| Years | Invested | At 10% | At 12% | At 14% |
|---|---|---|---|---|
| 5 years | ₹3L | ₹3.9L | ₹4.12L | ₹4.36L |
| 10 years | ₹6L | ₹10.33L | ₹11.62L | ₹13.1L |
| 15 years | ₹9L | ₹20.9L | ₹25.23L | ₹30.64L |
| 20 years | ₹12L | ₹38.28L | ₹49.96L | ₹65.82L |
| 25 years | ₹15L | ₹66.89L | ₹94.88L | ₹1.36Cr |
| 30 years | ₹18L | ₹1.14Cr | ₹1.76Cr | ₹2.78Cr |
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₹49,95,740
49.96 lakh from ₹12,00,000 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 ₹90.76L.
Total value₹49.96L
- Amount invested₹12,00,000
- Estimated returns₹37,95,740
Year-by-year table
| Year | Invested | Returns | Value |
|---|---|---|---|
| 1 | ₹60,000 | ₹4,047 | ₹64,047 |
| 2 | ₹1,20,000 | ₹16,216 | ₹1,36,216 |
| 3 | ₹1,80,000 | ₹37,538 | ₹2,17,538 |
| 4 | ₹2,40,000 | ₹69,174 | ₹3,09,174 |
| 5 | ₹3,00,000 | ₹1,12,432 | ₹4,12,432 |
| 6 | ₹3,60,000 | ₹1,68,785 | ₹5,28,785 |
| 7 | ₹4,20,000 | ₹2,39,895 | ₹6,59,895 |
| 8 | ₹4,80,000 | ₹3,27,633 | ₹8,07,633 |
| 9 | ₹5,40,000 | ₹4,34,108 | ₹9,74,108 |
| 10 | ₹6,00,000 | ₹5,61,695 | ₹11,61,695 |
| 11 | ₹6,60,000 | ₹7,13,074 | ₹13,73,074 |
| 12 | ₹7,20,000 | ₹8,91,261 | ₹16,11,261 |
| 13 | ₹7,80,000 | ₹10,99,656 | ₹18,79,656 |
| 14 | ₹8,40,000 | ₹13,42,090 | ₹21,82,090 |
| 15 | ₹9,00,000 | ₹16,22,880 | ₹25,22,880 |
| 16 | ₹9,60,000 | ₹19,46,891 | ₹29,06,891 |
| 17 | ₹10,20,000 | ₹23,19,604 | ₹33,39,604 |
| 18 | ₹10,80,000 | ₹27,47,196 | ₹38,27,196 |
| 19 | ₹11,40,000 | ₹32,36,627 | ₹43,76,627 |
| 20 | ₹12,00,000 | ₹37,95,740 | ₹49,95,740 |
Frequently asked questions
How much will a ₹5,000 SIP be worth in 10 years?
About ₹11.62L at 12% a year, from ₹6L invested. At 10% it would be ₹10.33L.
How much will a ₹5,000 SIP be worth in 20 years?
About ₹49.96L at 12% a year. Raising the SIP by 10% every year takes it to about ₹99.44L.
How long does a ₹5,000 SIP take to reach ₹1 crore?
About 25 years 6 months at 12% a year, if you keep investing every month.