₹10,000 SIP per month for 5 years
Investing ₹10,000 every month for 5 years means ₹6,00,000 paid in. At an assumed 12% a year it could grow to about ₹8,24,864. 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.
₹10,000 a month for 5 years at different returns
| Return a year | Invested | Gains | Value |
|---|---|---|---|
| 8% | ₹6,00,000 | ₹1,39,667 | ₹7,39,667 |
| 10% | ₹6,00,000 | ₹1,80,824 | ₹7,80,824 |
| 12% | ₹6,00,000 | ₹2,24,864 | ₹8,24,864 |
| 15% | ₹6,00,000 | ₹2,96,817 | ₹8,96,817 |
The gap between 8% and 15% is ₹1,57,150 on the same ₹6,00,000 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 | ₹1,20,000 | ₹1,25,329 | ₹1,26,703 | ₹1,28,093 | ₹1,30,211 |
| 2 | ₹2,40,000 | ₹2,61,061 | ₹2,66,673 | ₹2,72,432 | ₹2,81,354 |
| 3 | ₹3,60,000 | ₹4,08,058 | ₹4,21,300 | ₹4,35,076 | ₹4,56,794 |
| 4 | ₹4,80,000 | ₹5,67,256 | ₹5,92,118 | ₹6,18,348 | ₹6,60,437 |
| 5 | ₹6,00,000 | ₹7,39,667 | ₹7,80,824 | ₹8,24,864 | ₹8,96,817 |
Putting the number in context
- Inflation: at 6% a year, ₹8,24,864 in 5 years has the buying power of about ₹6,16,386 today.
- Time matters most: staying invested 5 more years (10 in all) at 12% takes the estimate to ₹23,23,391, on ₹12,00,000 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 5 years.
Other SIP amounts and periods
₹10,000 a month for
Other monthly amounts for 5 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 ₹10,000 monthly SIP be worth after 5 years?
At an assumed 12% a year, about ₹8,24,864 on ₹6,00,000 invested. At 8% it would be about ₹7,39,667 and at 15% about ₹8,96,817. 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 ₹10,000 a month for 5 years?
₹6,00,000, paid as 60 monthly instalments. At 12% a year the estimated gain is ₹2,24,864, which would be 27% of the final value; the longer you stay invested, the larger the share that comes from compounding.
What is ₹8,24,864 worth in today’s money?
If inflation averages 6% a year, ₹8,24,864 in 5 years buys roughly what ₹6,16,386 buys today. Plan goals in future rupees, or raise the SIP each year to keep pace.