Monthly SIP returns
₹15,000 SIP for 10 Years — Maturity Value and Returns
Investing ₹15,000 every month for 10 years builds a corpus of roughly ₹34.85 lakh if the fund averages 12% a year. You will have paid in ₹18.00 lakh of your own money, so about ₹16.85 lakh of the final corpus is pure return.
Maturity value at 12%
₹34.85 lakh
₹18.00 lakh invested + ₹16.85 lakh growth over 10 years
Total invested
₹18.00 lakh
Wealth gained
₹16.85 lakh
At 10% return
₹30.98 lakh
At 15% return
₹41.80 lakh
Worth in today money
₹19.46 lakh
With 10% yearly step-up
₹50.61 lakh
Want to change the numbers?
Open the full SIP calculator and run your own amount, rate and tenure.
Year-by-year growth of a ₹15,000 monthly SIP at 12%
| Year | Invested | Value | Gain | Gain % |
|---|---|---|---|---|
| 1 | ₹1,80,000 | ₹1,92,140 | ₹12,140 | 6.7% |
| 2 | ₹3,60,000 | ₹4,08,648 | ₹48,648 | 13.5% |
| 3 | ₹5,40,000 | ₹6,52,615 | ₹1,12,615 | 20.9% |
| 4 | ₹7,20,000 | ₹9,27,523 | ₹2,07,523 | 28.8% |
| 5 | ₹9,00,000 | ₹12,37,295 | ₹3,37,295 | 37.5% |
| 6 | ₹10,80,000 | ₹15,86,355 | ₹5,06,355 | 46.9% |
| 7 | ₹12,60,000 | ₹19,79,685 | ₹7,19,685 | 57.1% |
| 8 | ₹14,40,000 | ₹24,22,898 | ₹9,82,898 | 68.3% |
| 9 | ₹16,20,000 | ₹29,22,323 | ₹13,02,323 | 80.4% |
| 10 | ₹18,00,000 | ₹34,85,086 | ₹16,85,086 | 93.6% |
Same SIP at different return rates
| Annual return | Corpus after 10 years | Gain over invested |
|---|---|---|
| 8% | ₹27,62,485 | ₹9,62,485 |
| 10% | ₹30,98,280 | ₹12,98,280 |
| 12% | ₹34,85,086 | ₹16,85,086 |
| 14% | ₹39,31,371 | ₹21,31,371 |
| 15% | ₹41,79,859 | ₹23,79,859 |
What ₹34.85 lakh is actually worth in 2036
Nominal numbers flatter long horizons. At 6% average inflation, the ₹34.85 lakh you receive after 10 years has the purchasing power of about ₹19.46 lakh in today's money. That is still comfortably ahead of the ₹18.00 lakh you put in, but it is the figure you should plan a real-world goal around.
This is the single biggest reason a ₹15,000 SIP that looks adequate on paper can fall short of an actual goal 10 years out. Always check the inflation-adjusted column before deciding the amount is enough.
Why a step-up beats a flat ₹15,000
Keeping the SIP frozen at ₹15,000 for 10 years assumes your income never rises. Increasing it by just 10% a year — roughly a normal appraisal — takes the same plan to about ₹50.61 lakh, which is 45.2% 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 ₹15,000 a month into a 7% recurring deposit for the same 10 years would end at roughly ₹26.11 lakh — before tax. Deposit interest is taxed at your slab rate, so a 30%-bracket saver keeps closer to ₹23.26 lakh.
Equity returns are not guaranteed and a 10-year window can contain long flat stretches. The trade-off is the point: you accept volatility in exchange for an expected ₹8.74 lakh of extra corpus.
Frequently Asked Questions
How much will I get if I invest ₹15,000 per month for 10 years?
At a 12% annual return you would accumulate about ₹34.85 lakh — ₹18.00 lakh of contributions plus ₹16.85 lakh of growth. At a more conservative 10% it is ₹30.98 lakh, and at 15% it is ₹41.80 lakh.
Is ₹15,000 a month enough for 10 years?
It depends on the goal, not the amount. ₹34.85 lakh nominal is roughly ₹19.46 lakh in today's purchasing power after 10 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 10-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 ₹15,000 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 5 years
Maturity value at 12%: ₹82,486
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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.