SIP exampleVerified for FY 2026-27

₹25,000 SIP per Month for 15 Years

See what a ₹25,000 monthly SIP may become in 15 years with invested amount, estimated gains and alternate return scenarios.

Estimated future value₹1,24,89,505

At an assumed 12.0% annual return, total investment is ₹45,00,000 and estimated gain is ₹79,89,505.

Customise SIP amount, return and duration

Monthly breakdown

Monthly SIP: ₹25,000
Assumed return: 12.0%
Duration: 15 years
Final value: ₹1.25Cr

Annual breakdown

Annual investment: ₹3,00,000
Total invested: ₹45,00,000
Estimated gain: ₹79,89,505
Future value: ₹1,24,89,505

Alternative scenarios

10% return

₹1,03,61,759

A lower-return scenario for more conservative planning.

14% return

₹1,51,44,657

A higher-return scenario; not guaranteed and should not be treated as a promise.

10% annual step-up

₹2,14,94,677

Increasing SIP by 10% yearly lifts total invested to ₹95,31,745.

Assumptions

Returns are annualised assumptions, not guaranteed mutual fund returns.
Computation assumes month-end SIP investments and monthly compounding.
Taxes, exit loads, expense ratios and market volatility are excluded from this simplified projection.

Official sources

Customise this calculation

This page uses one common set of assumptions. Open the calculator to adjust salary structure, deductions, return expectations, loan rate, tenure or retirement assumptions for your own case.

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