₹7,500 a month SIP: how much will it grow?
Rules for FY 2026-27 · Checked 24 October 2026
Short answer
At 12% a year, a ₹7,500 monthly SIP grows to ₹17.43L in 10 years and ₹74.94L in 20 years. It reaches ₹1 crore in about 22 years 3 months. Returns are not guaranteed; the table shows 10% and 14% too.
- After 10 years₹17.43L₹9L invested
- After 20 years₹74.94L₹18L invested
- With 10% yearly step-up₹1.49CrAfter 20 years
- To reach ₹1 crore23 yearsAt 12% a year
₹7,500 SIP returns table
| Years | Invested | At 10% | At 12% | At 14% |
|---|---|---|---|---|
| 5 years | ₹4.5L | ₹5.86L | ₹6.19L | ₹6.54L |
| 10 years | ₹9L | ₹15.49L | ₹17.43L | ₹19.66L |
| 15 years | ₹13.5L | ₹31.34L | ₹37.84L | ₹45.96L |
| 20 years | ₹18L | ₹57.43L | ₹74.94L | ₹98.73L |
| 25 years | ₹22.5L | ₹1Cr | ₹1.42Cr | ₹2.05Cr |
| 30 years | ₹27L | ₹1.71Cr | ₹2.65Cr | ₹4.17Cr |
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₹74,93,609
74.94 lakh from ₹18,00,000 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 ₹1.36Cr.
Total value₹74.94L
- Amount invested₹18,00,000
- Estimated returns₹56,93,609
Year-by-year table
| Year | Invested | Returns | Value |
|---|---|---|---|
| 1 | ₹90,000 | ₹6,070 | ₹96,070 |
| 2 | ₹1,80,000 | ₹24,324 | ₹2,04,324 |
| 3 | ₹2,70,000 | ₹56,307 | ₹3,26,307 |
| 4 | ₹3,60,000 | ₹1,03,761 | ₹4,63,761 |
| 5 | ₹4,50,000 | ₹1,68,648 | ₹6,18,648 |
| 6 | ₹5,40,000 | ₹2,53,178 | ₹7,93,178 |
| 7 | ₹6,30,000 | ₹3,59,842 | ₹9,89,842 |
| 8 | ₹7,20,000 | ₹4,91,449 | ₹12,11,449 |
| 9 | ₹8,10,000 | ₹6,51,161 | ₹14,61,161 |
| 10 | ₹9,00,000 | ₹8,42,543 | ₹17,42,543 |
| 11 | ₹9,90,000 | ₹10,69,611 | ₹20,59,611 |
| 12 | ₹10,80,000 | ₹13,36,891 | ₹24,16,891 |
| 13 | ₹11,70,000 | ₹16,49,484 | ₹28,19,484 |
| 14 | ₹12,60,000 | ₹20,13,135 | ₹32,73,135 |
| 15 | ₹13,50,000 | ₹24,34,320 | ₹37,84,320 |
| 16 | ₹14,40,000 | ₹29,20,336 | ₹43,60,336 |
| 17 | ₹15,30,000 | ₹34,79,406 | ₹50,09,406 |
| 18 | ₹16,20,000 | ₹41,20,794 | ₹57,40,794 |
| 19 | ₹17,10,000 | ₹48,54,941 | ₹65,64,941 |
| 20 | ₹18,00,000 | ₹56,93,609 | ₹74,93,609 |
Frequently asked questions
How much will a ₹7,500 SIP be worth in 10 years?
About ₹17.43L at 12% a year, from ₹9L invested. At 10% it would be ₹15.49L.
How much will a ₹7,500 SIP be worth in 20 years?
About ₹74.94L at 12% a year. Raising the SIP by 10% every year takes it to about ₹1.49Cr.
How long does a ₹7,500 SIP take to reach ₹1 crore?
About 22 years 3 months at 12% a year, if you keep investing every month.