Investing

What will a Rs 5,000 monthly SIP be worth after 10 years?

The maturity value, the part that is your own money, and how much the answer moves when the return assumption changes.

A Rs 5,000 monthly SIP for 10 years grows to about Rs 11,61,695 at a 12% annual return. You would have invested Rs 6,00,000 of your own money across 120 instalments, so roughly Rs 5,61,695 of that is growth. At a more conservative 10% the same SIP reaches about Rs 10,32,760; at 15% it reaches about Rs 13,93,286.

Worked out 2026-09-04 (IST) · Monthly SIP at the start of each month, returns compounded monthly

Maturity value by return and tenure

Rs 5,000 a month, at the returns worth planning around. The 10-year column is the answer above.

Value of a Rs 5,000 monthly SIP (Rs)
Annual return	5 years	10 years	15 years	20 years	25 years
8%	3,69,834	9,20,828	17,41,726	29,64,736	47,86,833
10%	3,90,412	10,32,760	20,89,621	38,28,485	66,89,452
12%	4,12,432	11,61,695	25,22,880	49,95,740	94,88,175
14%	4,36,004	13,10,457	30,64,269	65,81,731	1,36,36,389
15%	4,48,408	13,93,286	33,84,315	75,79,775	1,64,20,369

How much of it is your own money

Rs 5,000 monthly SIP at 12% a year
Tenure	You invest	Maturity value	Growth	Growth as a multiple
5 years	3,00,000	4,12,432	1,12,432	1.37x
10 years	6,00,000	11,61,695	5,61,695	1.94x
15 years	9,00,000	25,22,880	16,22,880	2.80x
20 years	12,00,000	49,95,740	37,95,740	4.16x
25 years	15,00,000	94,88,175	79,88,175	6.33x
30 years	18,00,000	1,76,49,569	1,58,49,569	9.81x

Compounding is back-loaded. After 10 years, growth is only about 48% of the corpus. After 25 years it is about 84%. The last decade of a long SIP does more work than the first two combined — which is why the start date matters more than the instalment size.

The formula

A SIP is an annuity-due future value: every instalment compounds for one month longer than the next.

FV = M × [((1+r)ⁿ − 1) ÷ r] × (1+r)

M is the monthly instalment, Rs 5,000.
r is the monthly return: 12% ÷ 12 ÷ 100 = 0.01.
n is the number of instalments: 10 × 12 = 120.

Substituting gives Rs 11,61,695. Fund houses quote XIRR instead, which is the same maths expressed as an annualised rate.

Check your own numbers

Change the instalment, the return and the horizon and watch the compounding curve redraw.

SIP CalculatorMonthly instalment, expected return and tenure to maturity value and total gain.

Frequently asked

Is 12% a realistic SIP return?

It is the figure the Indian mutual fund industry conventionally uses for equity, and broad Indian equity indices have delivered roughly that over long periods — but it is an assumption, not a promise. Any single 10-year window can land well below or well above it. Plan on 10-11% and treat anything more as upside.

How is SIP maturity taxed?

Each instalment is a separate purchase with its own holding period. For equity funds, units held over 12 months are long-term: gains above Rs 1.25 lakh in a financial year are taxed at 12.5% without indexation. Units held under 12 months are short-term and taxed at 20%. On a 10-year SIP, the last year of instalments will still be short-term when you redeem everything at once.

Does a step-up SIP make a big difference?

A large one. Holding Rs 5,000 flat for 10 years at 12% gives about Rs 11,61,695. Raising the instalment by just 10% each year — roughly a salary increment — takes the same 10 years to roughly Rs 11.7 lakh, because the later, larger instalments are the ones with real money behind them.

What if I stop the SIP halfway?

The units already bought keep compounding; you simply stop adding. Stopping at year 5 and leaving the corpus invested for another 5 years gives about Rs 7,49,264 at 12% — noticeably less than Rs 11,61,695, because you skipped 60 instalments, but far more than redeeming at year 5, which would give about Rs 4,12,432.

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