SIP Calculator for ₹5,000 per Month
₹5,000/month is the single most popular SIP amount among Indian retail investors. Here's the complete picture of how your ₹5,000 monthly investment grows.
₹5,000/month · 20 years · 12% p.a.
₹49.96 L
Invested: ₹12.00 L · Gains: ₹37.96 L
Returns at Different Annual Rates (20 Years)
| Return Rate | Invested | Wealth Gained | Total Corpus |
|---|---|---|---|
| 10% (Conservative) | ₹12.00 L | ₹26.28 L | ₹38.28 L |
| 12% (Moderate) | ₹12.00 L | ₹37.96 L | ₹49.96 L |
| 15% (Optimistic) | ₹12.00 L | ₹63.80 L | ₹75.80 L |
Estimates only. Past performance does not guarantee future returns.
₹5,000/Month SIP — Year-by-Year Growth
| Years | Invested | At 10% | At 12% | At 15% |
|---|---|---|---|---|
| 5 yrs | ₹3.00 L | ₹3.90 L | ₹4.12 L | ₹4.48 L |
| 10 yrs | ₹6.00 L | ₹10.33 L | ₹11.62 L | ₹13.93 L |
| 15 yrs | ₹9.00 L | ₹20.90 L | ₹25.23 L | ₹33.84 L |
| 20 yrs ★ | ₹12.00 L | ₹38.28 L | ₹49.96 L | ₹75.80 L |
| 25 yrs | ₹15.00 L | ₹66.89 L | ₹94.88 L | ₹1.64 cr |
| 30 yrs | ₹18.00 L | ₹1.14 cr | ₹1.76 cr | ₹3.50 cr |
★ marks your selected tenure above.
Frequently Asked Questions
What will ₹5,000/month SIP be worth in 20 years?
At 12% annual returns, ₹5,000/month SIP for 20 years grows to approximately ₹49.96 lakhs — nearly ₹50 lakhs. Total invested is ₹12 lakhs, with ₹37.96 lakhs coming purely from compounding returns.
How much corpus does ₹5,000/month SIP build in 30 years?
At 12% annual returns, ₹5,000/month for 30 years builds approximately ₹1.76 crores. At 15%, it grows to approximately ₹3.50 crores. The last 10 years account for more than half the total corpus.
Is ₹5,000/month SIP enough for retirement?
If started at age 25 and maintained for 30 years at 12%, ₹5,000/month builds ₹1.76 crores — a solid retirement base. Increase your SIP by 10% annually (Step-Up SIP) to build a significantly larger corpus.
Calculate with Your Own Numbers
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