Monthly SIP returns
₹5,000 SIP for 10 Years — Maturity Value and Returns
Investing ₹5,000 every month for 10 years builds a corpus of roughly ₹11.62 lakh if the fund averages 12% a year. You will have paid in ₹6.00 lakh of your own money, so about ₹5.62 lakh of the final corpus is pure return.
Maturity value at 12%
₹11.62 lakh
₹6.00 lakh invested + ₹5.62 lakh growth over 10 years
Total invested
₹6.00 lakh
Wealth gained
₹5.62 lakh
At 10% return
₹10.33 lakh
At 15% return
₹13.93 lakh
Worth in today money
₹6.49 lakh
With 10% yearly step-up
₹16.87 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 ₹5,000 monthly SIP at 12%
| Year | Invested | Value | Gain | Gain % |
|---|---|---|---|---|
| 1 | ₹60,000 | ₹64,047 | ₹4,047 | 6.7% |
| 2 | ₹1,20,000 | ₹1,36,216 | ₹16,216 | 13.5% |
| 3 | ₹1,80,000 | ₹2,17,538 | ₹37,538 | 20.9% |
| 4 | ₹2,40,000 | ₹3,09,174 | ₹69,174 | 28.8% |
| 5 | ₹3,00,000 | ₹4,12,432 | ₹1,12,432 | 37.5% |
| 6 | ₹3,60,000 | ₹5,28,785 | ₹1,68,785 | 46.9% |
| 7 | ₹4,20,000 | ₹6,59,895 | ₹2,39,895 | 57.1% |
| 8 | ₹4,80,000 | ₹8,07,633 | ₹3,27,633 | 68.3% |
| 9 | ₹5,40,000 | ₹9,74,108 | ₹4,34,108 | 80.4% |
| 10 | ₹6,00,000 | ₹11,61,695 | ₹5,61,695 | 93.6% |
Same SIP at different return rates
| Annual return | Corpus after 10 years | Gain over invested |
|---|---|---|
| 8% | ₹9,20,828 | ₹3,20,828 |
| 10% | ₹10,32,760 | ₹4,32,760 |
| 12% | ₹11,61,695 | ₹5,61,695 |
| 14% | ₹13,10,457 | ₹7,10,457 |
| 15% | ₹13,93,286 | ₹7,93,286 |
What ₹11.62 lakh is actually worth in 2036
Nominal numbers flatter long horizons. At 6% average inflation, the ₹11.62 lakh you receive after 10 years has the purchasing power of about ₹6.49 lakh in today's money. That is still comfortably ahead of the ₹6.00 lakh you put in, but it is the figure you should plan a real-world goal around.
This is the single biggest reason a ₹5,000 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 ₹5,000
Keeping the SIP frozen at ₹5,000 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 ₹16.87 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 ₹5,000 a month into a 7% recurring deposit for the same 10 years would end at roughly ₹8.70 lakh — before tax. Deposit interest is taxed at your slab rate, so a 30%-bracket saver keeps closer to ₹7.75 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 ₹2.91 lakh of extra corpus.
Frequently Asked Questions
How much will I get if I invest ₹5,000 per month for 10 years?
At a 12% annual return you would accumulate about ₹11.62 lakh — ₹6.00 lakh of contributions plus ₹5.62 lakh of growth. At a more conservative 10% it is ₹10.33 lakh, and at 15% it is ₹13.93 lakh.
Is ₹5,000 a month enough for 10 years?
It depends on the goal, not the amount. ₹11.62 lakh nominal is roughly ₹6.49 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 ₹5,000 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
₹3,000 SIP for 15 years
Maturity value at 12%: ₹15.14 lakh
₹3,000 SIP for 20 years
Maturity value at 12%: ₹29.97 lakh
₹3,000 SIP for 25 years
Maturity value at 12%: ₹56.93 lakh
₹5,000 SIP for 5 years
Maturity value at 12%: ₹4.12 lakh
₹5,000 SIP for 15 years
Maturity value at 12%: ₹25.23 lakh
₹5,000 SIP for 20 years
Maturity value at 12%: ₹49.96 lakh
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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.