₹2,000 SIP per month for 5 years
Investing ₹2,000 every month for 5 years means ₹1,20,000 paid in. At an assumed 12% a year it could grow to about ₹1,64,973. 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 5 years at different returns
| Return a year | Invested | Gains | Value |
|---|---|---|---|
| 8% | ₹1,20,000 | ₹27,933 | ₹1,47,933 |
| 10% | ₹1,20,000 | ₹36,165 | ₹1,56,165 |
| 12% | ₹1,20,000 | ₹44,973 | ₹1,64,973 |
| 15% | ₹1,20,000 | ₹59,363 | ₹1,79,363 |
The gap between 8% and 15% is ₹31,430 on the same ₹1,20,000 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 |
Putting the number in context
- Inflation: at 6% a year, ₹1,64,973 in 5 years has the buying power of about ₹1,23,277 today.
- Time matters most: staying invested 5 more years (10 in all) at 12% takes the estimate to ₹4,64,678, on ₹2,40,000 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
₹2,000 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 ₹2,000 monthly SIP be worth after 5 years?
At an assumed 12% a year, about ₹1,64,973 on ₹1,20,000 invested. At 8% it would be about ₹1,47,933 and at 15% about ₹1,79,363. 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 5 years?
₹1,20,000, paid as 60 monthly instalments. At 12% a year the estimated gain is ₹44,973, which would be 27% of the final value; the longer you stay invested, the larger the share that comes from compounding.
What is ₹1,64,973 worth in today’s money?
If inflation averages 6% a year, ₹1,64,973 in 5 years buys roughly what ₹1,23,277 buys today. Plan goals in future rupees, or raise the SIP each year to keep pace.