Monthly SIP returns
₹1,000 SIP for 5 Years — Maturity Value and Returns
₹1,000 a month for 5 years ends up at approximately ₹82,486 assuming 12% annualised returns. You will have paid in ₹60,000 of your own money, so about ₹22,486 of the final corpus is pure return.
Maturity value at 12%
₹82,486
₹60,000 invested + ₹22,486 growth over 5 years
Total invested
₹60,000
Wealth gained
₹22,486
At 10% return
₹78,082
At 15% return
₹89,682
Worth in today money
₹61,639
With 10% yearly step-up
₹98,457
Want to change the numbers?
Open the full SIP calculator and run your own amount, rate and tenure.
Year-by-year growth of a ₹1,000 monthly SIP at 12%
| Year | Invested | Value | Gain | Gain % |
|---|---|---|---|---|
| 1 | ₹12,000 | ₹12,809 | ₹809 | 6.7% |
| 2 | ₹24,000 | ₹27,243 | ₹3,243 | 13.5% |
| 3 | ₹36,000 | ₹43,508 | ₹7,508 | 20.9% |
| 4 | ₹48,000 | ₹61,835 | ₹13,835 | 28.8% |
| 5 | ₹60,000 | ₹82,486 | ₹22,486 | 37.5% |
Same SIP at different return rates
| Annual return | Corpus after 5 years | Gain over invested |
|---|---|---|
| 8% | ₹73,967 | ₹13,967 |
| 10% | ₹78,082 | ₹18,082 |
| 12% | ₹82,486 | ₹22,486 |
| 14% | ₹87,201 | ₹27,201 |
| 15% | ₹89,682 | ₹29,682 |
What ₹82,486 is actually worth in 2031
Nominal numbers flatter long horizons. At 6% average inflation, the ₹82,486 you receive after 5 years has the purchasing power of about ₹61,639 in today's money. That is still comfortably ahead of the ₹60,000 you put in, but it is the figure you should plan a real-world goal around.
This is the single biggest reason a ₹1,000 SIP that looks adequate on paper can fall short of an actual goal 5 years out. Always check the inflation-adjusted column before deciding the amount is enough.
Why a step-up beats a flat ₹1,000
Keeping the SIP frozen at ₹1,000 for 5 years assumes your income never rises. Increasing it by just 10% a year — roughly a normal appraisal — takes the same plan to about ₹98,457, which is 19.4% more without ever feeling like a bigger sacrifice.
Most fund houses let you set this up once as a "step-up SIP" or "top-up SIP" mandate so it happens automatically every April.
Equity SIP versus the same money in a deposit
Putting ₹1,000 a month into a 7% recurring deposit for the same 5 years would end at roughly ₹72,011 — before tax. Deposit interest is taxed at your slab rate, so a 30%-bracket saver keeps closer to ₹68,110.
Equity returns are not guaranteed and a 5-year window can contain long flat stretches. The trade-off is the point: you accept volatility in exchange for an expected ₹10,476 of extra corpus.
Frequently asked questions
Short, specific answers — no sign-up, no sales pitch.
How much will I get if I invest ₹1,000 per month for 5 years?
At a 12% annual return you would accumulate about ₹82,486 — ₹60,000 of contributions plus ₹22,486 of growth. At a more conservative 10% it is ₹78,082, and at 15% it is ₹89,682.
Is ₹1,000 a month enough for 5 years?
It depends on the goal, not the amount. ₹82,486 nominal is roughly ₹61,639 in today's purchasing power after 5 years of 6% inflation. Compare that against what your goal actually costs today and increase the SIP if there is a gap.
What return rate should I assume for a 5-year SIP?
For diversified equity funds, 12% is the conventional planning assumption and 10% is the conservative one. Indian equity indices have delivered roughly 11-13% over long rolling periods, but no rate is guaranteed. Plan with 10-12% and treat anything above as a bonus.
Will I pay tax on this ₹1,000 SIP?
Equity mutual fund gains held over a year are long-term capital gains, taxed at 12.5% above the ₹1.25 lakh annual exemption. Because SIP units are bought monthly, each instalment has its own holding period, so redeem oldest-first to stay long-term.
Can I stop or pause a SIP midway?
Yes. SIPs have no lock-in except in ELSS funds, which lock each instalment for three years. You can pause, reduce or stop at any time without penalty, and existing units keep compounding.
Related calculations
₹500 SIP for 5 years
Maturity value at 12%: ₹41,243
₹500 SIP for 10 years
Maturity value at 12%: ₹1.16 lakh
₹500 SIP for 15 years
Maturity value at 12%: ₹2.52 lakh
₹500 SIP for 20 years
Maturity value at 12%: ₹5.00 lakh
₹500 SIP for 25 years
Maturity value at 12%: ₹9.49 lakh
₹1,000 SIP for 10 years
Maturity value at 12%: ₹2.32 lakh
Full interactive calculators
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Figures are mathematical projections based on the stated assumptions. Market-linked returns are not guaranteed. This is educational information, not investment advice.