₹2,000 SIP per month for 15 years
Investing ₹2,000 every month for 15 years means ₹3,60,000 paid in. At an assumed 12% a year it could grow to about ₹10,09,152. 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.
₹2,000 a month for 15 years at different returns
| Return a year | Invested | Gains | Value |
|---|---|---|---|
| 8% | ₹3,60,000 | ₹3,36,690 | ₹6,96,690 |
| 10% | ₹3,60,000 | ₹4,75,849 | ₹8,35,849 |
| 12% | ₹3,60,000 | ₹6,49,152 | ₹10,09,152 |
| 15% | ₹3,60,000 | ₹9,93,726 | ₹13,53,726 |
The gap between 8% and 15% is ₹6,57,036 on the same ₹3,60,000 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 | ₹24,000 | ₹25,066 | ₹25,341 | ₹25,619 | ₹26,042 |
| 2 | ₹48,000 | ₹52,212 | ₹53,335 | ₹54,486 | ₹56,271 |
| 3 | ₹72,000 | ₹81,612 | ₹84,260 | ₹87,015 | ₹91,359 |
| 4 | ₹96,000 | ₹1,13,451 | ₹1,18,424 | ₹1,23,670 | ₹1,32,087 |
| 5 | ₹1,20,000 | ₹1,47,933 | ₹1,56,165 | ₹1,64,973 | ₹1,79,363 |
| 6 | ₹1,44,000 | ₹1,85,278 | ₹1,97,858 | ₹2,11,514 | ₹2,34,239 |
| 7 | ₹1,68,000 | ₹2,25,721 | ₹2,43,917 | ₹2,63,958 | ₹2,97,936 |
| 8 | ₹1,92,000 | ₹2,69,522 | ₹2,94,799 | ₹3,23,053 | ₹3,71,873 |
| 9 | ₹2,16,000 | ₹3,16,958 | ₹3,51,008 | ₹3,89,643 | ₹4,57,696 |
| 10 | ₹2,40,000 | ₹3,68,331 | ₹4,13,104 | ₹4,64,678 | ₹5,57,315 |
| 11 | ₹2,64,000 | ₹4,23,969 | ₹4,81,702 | ₹5,49,230 | ₹6,72,948 |
| 12 | ₹2,88,000 | ₹4,84,224 | ₹5,57,483 | ₹6,44,504 | ₹8,07,169 |
| 13 | ₹3,12,000 | ₹5,49,480 | ₹6,41,199 | ₹7,51,862 | ₹9,62,968 |
| 14 | ₹3,36,000 | ₹6,20,152 | ₹7,33,682 | ₹8,72,836 | ₹11,43,811 |
| 15 | ₹3,60,000 | ₹6,96,690 | ₹8,35,849 | ₹10,09,152 | ₹13,53,726 |
Putting the number in context
- Inflation: at 6% a year, ₹10,09,152 in 15 years has the buying power of about ₹4,21,084 today.
- Time matters most: staying invested 5 more years (20 in all) at 12% takes the estimate to ₹19,98,296, on ₹4,80,000 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 15 years.
Other SIP amounts and periods
₹2,000 a month for
Other monthly amounts for 15 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 ₹2,000 monthly SIP be worth after 15 years?
At an assumed 12% a year, about ₹10,09,152 on ₹3,60,000 invested. At 8% it would be about ₹6,96,690 and at 15% about ₹13,53,726. 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 ₹2,000 a month for 15 years?
₹3,60,000, paid as 180 monthly instalments. At 12% a year the estimated gain is ₹6,49,152, which would be 64% of the final value; the longer you stay invested, the larger the share that comes from compounding.
What is ₹10,09,152 worth in today’s money?
If inflation averages 6% a year, ₹10,09,152 in 15 years buys roughly what ₹4,21,084 buys today. Plan goals in future rupees, or raise the SIP each year to keep pace.