₹1,000 SIP per month for 20 years
Investing ₹1,000 every month for 20 years means ₹2,40,000 paid in. At an assumed 12% a year it could grow to about ₹9,99,148. Returns are not guaranteed: the figures below are illustrations at 8%, 10%, 12% and 15%.
Returns are not guaranteed; these figures are illustrative. Mutual fund returns rise and fall with the market, and no fund returns the same percentage every month as this assumes.
₹1,000 a month for 20 years at different returns
| Return a year | Invested | Gains | Value |
|---|---|---|---|
| 8% | ₹2,40,000 | ₹3,52,947 | ₹5,92,947 |
| 10% | ₹2,40,000 | ₹5,25,697 | ₹7,65,697 |
| 12% | ₹2,40,000 | ₹7,59,148 | ₹9,99,148 |
| 15% | ₹2,40,000 | ₹12,75,955 | ₹15,15,955 |
The gap between 8% and 15% is ₹9,23,008 on the same ₹2,40,000 invested. Debt funds have historically sat towards the lower end of this range and equity funds towards the higher end, with far bigger swings from year to year; past performance does not indicate future returns.
Year-by-year growth
| Year | Invested | At 8% | At 10% | At 12% | At 15% |
|---|---|---|---|---|---|
| 1 | ₹12,000 | ₹12,533 | ₹12,670 | ₹12,809 | ₹13,021 |
| 2 | ₹24,000 | ₹26,106 | ₹26,667 | ₹27,243 | ₹28,135 |
| 3 | ₹36,000 | ₹40,806 | ₹42,130 | ₹43,508 | ₹45,679 |
| 4 | ₹48,000 | ₹56,726 | ₹59,212 | ₹61,835 | ₹66,044 |
| 5 | ₹60,000 | ₹73,967 | ₹78,082 | ₹82,486 | ₹89,682 |
| 6 | ₹72,000 | ₹92,639 | ₹98,929 | ₹1,05,757 | ₹1,17,120 |
| 7 | ₹84,000 | ₹1,12,861 | ₹1,21,958 | ₹1,31,979 | ₹1,48,968 |
| 8 | ₹96,000 | ₹1,34,761 | ₹1,47,399 | ₹1,61,527 | ₹1,85,937 |
| 9 | ₹1,08,000 | ₹1,58,479 | ₹1,75,504 | ₹1,94,822 | ₹2,28,848 |
| 10 | ₹1,20,000 | ₹1,84,166 | ₹2,06,552 | ₹2,32,339 | ₹2,78,657 |
| 11 | ₹1,32,000 | ₹2,11,984 | ₹2,40,851 | ₹2,74,615 | ₹3,36,474 |
| 12 | ₹1,44,000 | ₹2,42,112 | ₹2,78,742 | ₹3,22,252 | ₹4,03,585 |
| 13 | ₹1,56,000 | ₹2,74,740 | ₹3,20,600 | ₹3,75,931 | ₹4,81,484 |
| 14 | ₹1,68,000 | ₹3,10,076 | ₹3,66,841 | ₹4,36,418 | ₹5,71,906 |
| 15 | ₹1,80,000 | ₹3,48,345 | ₹4,17,924 | ₹5,04,576 | ₹6,76,863 |
| 16 | ₹1,92,000 | ₹3,89,791 | ₹4,74,357 | ₹5,81,378 | ₹7,98,693 |
| 17 | ₹2,04,000 | ₹4,34,676 | ₹5,36,698 | ₹6,67,921 | ₹9,40,108 |
| 18 | ₹2,16,000 | ₹4,83,287 | ₹6,05,568 | ₹7,65,439 | ₹11,04,255 |
| 19 | ₹2,28,000 | ₹5,35,932 | ₹6,81,649 | ₹8,75,325 | ₹12,94,790 |
| 20 | ₹2,40,000 | ₹5,92,947 | ₹7,65,697 | ₹9,99,148 | ₹15,15,955 |
Putting the number in context
- Inflation: at 6% a year, ₹9,99,148 in 20 years has the buying power of about ₹3,11,539 today.
- Time matters most: staying invested 5 more years (25 in all) at 12% takes the estimate to ₹18,97,635, on ₹3,00,000 invested.
- Costs and tax: the figures are before exit loads and capital gains tax. Direct plans have lower expense ratios than regular plans, which adds up over 20 years.
Other SIP amounts and periods
₹1,000 a month for
Other monthly amounts for 20 years
Mutual fund investments are subject to market risks; read all scheme-related documents carefully. Past performance is not indicative of future returns. This page is for education only: the returns shown are assumptions, not predictions, and it does not recommend any scheme. EpiFive is not a SEBI-registered investment adviser or an AMFI-registered mutual fund distributor. Speak to a SEBI-registered adviser before investing.
Questions people ask
What will a ₹1,000 monthly SIP be worth after 20 years?
At an assumed 12% a year, about ₹9,99,148 on ₹2,40,000 invested. At 8% it would be about ₹5,92,947 and at 15% about ₹15,15,955. These are illustrations: mutual fund returns are not guaranteed and can be lower, or negative, over any period.
How much do I invest in total with ₹1,000 a month for 20 years?
₹2,40,000, paid as 240 monthly instalments. At 12% a year the estimated gain is ₹7,59,148, which would be 76% of the final value; the longer you stay invested, the larger the share that comes from compounding.
What is ₹9,99,148 worth in today’s money?
If inflation averages 6% a year, ₹9,99,148 in 20 years buys roughly what ₹3,11,539 buys today. Plan goals in future rupees, or raise the SIP each year to keep pace.