₹20,000 SIP value by period and return
Each cell is the estimated value at the end of the period. Read across for the expected yearly return and down for the number of years.
| Years | Invested | At 8% | At 10% | At 12% | At 15% |
|---|---|---|---|---|---|
| 5 years | ₹12,00,000 | ₹14,79,334 | ₹15,61,648 | ₹16,49,727 | ₹17,93,634 |
| 10 years | ₹24,00,000 | ₹36,83,314 | ₹41,31,040 | ₹46,46,782 | ₹55,73,145 |
| 15 years | ₹36,00,000 | ₹69,66,903 | ₹83,58,485 | ₹1,00,91,520 | ₹1,35,37,262 |
| 20 years | ₹48,00,000 | ₹1,18,58,944 | ₹1,53,13,938 | ₹1,99,82,958 | ₹3,03,19,099 |
| 25 years | ₹60,00,000 | ₹1,91,47,331 | ₹2,67,57,807 | ₹3,79,52,702 | ₹6,56,81,475 |
| 30 years | ₹72,00,000 | ₹3,00,05,904 | ₹4,55,86,506 | ₹7,05,98,275 | ₹14,01,96,412 |
The longer you stay invested, the more of the final value comes from returns rather than your own money. After 10 years at 12%, returns are 48% of the value; after 30 years, 90%.
₹20,000 SIP with a 10% yearly step-up
A step-up SIP raises the monthly amount once a year, for example when your salary goes up. Starting at ₹20,000 and adding 10% each year, at 12%:
| Years | Last monthly SIP | Invested | Value with step-up | Without step-up |
|---|---|---|---|---|
| 10 years | ₹47,159 | ₹38,24,982 | ₹67,48,653 | ₹46,46,782 |
| 15 years | ₹75,950 | ₹76,25,396 | ₹1,73,67,699 | ₹1,00,91,520 |
| 20 years | ₹1,22,318 | ₹1,37,46,000 | ₹3,97,77,431 | ₹1,99,82,958 |
| 25 years | ₹1,96,995 | ₹2,36,03,294 | ₹8,55,10,922 | ₹3,79,52,702 |
How long a ₹20,000 SIP takes to reach ₹1 crore
At 12% a year, a flat ₹20,000 SIP reaches ₹1 crore in about 15 years. With a 10% step-up every year it gets there in about 12 years. A higher return shortens the wait and a lower one lengthens it:
| Return | Flat SIP | 10% step-up |
|---|---|---|
| 8% a year | 18 years 4 months | 13 years 6 months |
| 10% a year | 16 years 6 months | 12 years 8 months |
| 12% a year | 15 years | 12 years |
| 15% a year | 13 years 3 months | 11 years 1 month |
What it is worth in today's rupees
Prices rise, so a future sum buys less than the same amount today. If inflation averages 4%, the RBI's target for CPI inflation, the ₹2 crore a ₹20,000 SIP could reach in 20 years would buy about what ₹91,19,961 buys today. Over 10 years, ₹46.5 lakh would be worth about ₹31,39,199 in today's money. Check other rates with the inflation calculator.
How these figures are worked out
They use the usual SIP convention: you invest at the start of every month, and the expected yearly return is divided by 12 to give a monthly return. Real funds don't earn a steady return: some years are much better, some are negative, and the order matters. Use a return after the fund's expenses, and remember that gains are taxed as capital gains when you redeem. For a one-time investment, use the lumpsum calculator; for a return that doesn't depend on the market, compare a PPF (a government-set rate) or a bank FD.
Other SIP amounts
- A ₹15,000 SIP could grow to ₹34,85,086 in 10 years at 12% ( ₹15,000 SIP returns).
- A ₹25,000 SIP could grow to ₹58,08,477 in 10 years at 12% ( ₹25,000 SIP returns).
- Every extra ₹1,000 a month adds about ₹2,32,339 after 10 years at this return.
Try your own numbers. Open this SIP in the SIP calculator to change the amount, period, return and step-up, and see the year-by-year growth.
Frequently asked questions
What will a ₹20,000 SIP be worth in 10 years?
What will a ₹20,000 SIP be worth in 20 years?
How long does a ₹20,000 SIP take to reach ₹1 crore?
How much more does a 10% step-up add to a ₹20,000 SIP?
Are SIP returns guaranteed?
Figures assume a steady return, investments at the start of each month and no tax, rounded to the nearest rupee. They are illustrations for comparison, not a forecast or advice. Mutual fund investments are subject to market risks.