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SIP at 12% Return: Is your monthly SIP investment Rs 5,000-Rs 25,000? See how much wealth you can create in 10, 20 and 30 years
- Written by ZeeBiz WebTeam
Published: Zee Business| Updated: Zee Business
SIP Investment Power: A systematic investment plan (SIP) is a popular way to invest in a mutual fund scheme where an investor can make periodic investments to generate a corpus. The SIP can be daily, weekly, or monthly, up to the 1-year duration. It can be started for short- as well as long-term duration. In the long term, it can create a corps that can be multiple times the investment. Investors can start an SIP from as small an amount as Rs 100, and there is no maximum limit. But how much corpus can you generate if your monthly investment amount is Rs 5,000, Rs 10,000, Rs 15,000, Rs 20,000 or Rs 25,000 and the investment horizon is 10, 20, or 30 years? See detailed charts to see the estimated corpus generated.
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SIP for short and long duration
1/11SIP investment can be for the short- as well as long-duration depending on financial goals. If someone is targeting to buy some appliance, gadget, car, etc., they can make an SIP for a small duration. However, if someone has a long-term goal such as child education or retirement, the SIP investment can be for longer durations such as 10 years or over.
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Power of compounding
2/11If they have a long-duration SIP investment, they will get more years for compounding compared to the one who starts late. Staying in investments for a few years more may increase one's corpus significantly. Suppose, if someone starts a Rs 15,000 SIP investment and their expected annualised return is 12 per cent, look at the corpus they can generate in 30 and 35 years.
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Power of compounding
3/11In 30 years, the total investment will be Rs 54,00,000, estimated capital gains will be Rs 4,08,14,598, and the estimated corpus will be Rs 4,62,14,598. However, if they continue their investment for just 5 years more, their total investment will be Rs 63,00,000, and estimated capital gains will be Rs 7,63,62,467 and the estimated corpus will be Rs 8,26,62,467.
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Corpus building from SIP investment
4/11Now see how a small-amount monthly SIP investment can generate a larger corpus compared to a large-amount SIP when the investment horizon is longer. Take the example of a Rs 1,000 monthly SIP investment for 40 years vs a Rs 10,000 monthly SIP investment for 20 years (at a 12 per cent annualised return). In a Rs 1,000 monthly SIP for 40 years, the total investment will be Rs 4,80,000, estimated capital gains will be Rs 93,13,071 and the estimated corpus will be Rs 97,93,071.
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Corpus building from SIP investment
5/11In a Rs 10,000 monthly SIP for 20 years, the total investment will be Rs 24,00,000, estimated capital gains will be Rs 67,98,574 and the estimated corpus will be Rs 91,98,574. Look at the capital gains both investments are generating. A Rs 1,000 monthly SIP investment is way ahead of a Rs 10,000 monthly SIP investment.
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Calculations for story
6/11We will show how monthly SIPs worth Rs 5,000, Rs 10,000, Rs 15,000, Rs 20,000 and Rs 25,000 at a 12 per cent annualised return can generate a corpus in 10, 20 and 30 years.
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Corpus from Rs 5,000 SIP in 10, 20, 30 years
7/11The estimated corpus in 10 years will be Rs 11, 61, 695, in 20 years, it will be Rs 45,99,287, and in 30 years, it will soar to Rs 1,54,04,866.
Year Total Investment Returns Maturity Value 2026 ₹ 60,000 ₹ 4,047 ₹ 64,047 2027 ₹ 1,20,000 ₹ 16,216 ₹ 1,36,216 2028 ₹ 1,80,000 ₹ 37,538 ₹ 2,17,538 2029 ₹ 2,40,000 ₹ 69,174 ₹ 3,09,174 2030 ₹ 3,00,000 ₹ 1,12,432 ₹ 4,12,432 2031 ₹ 3,60,000 ₹ 1,68,785 ₹ 5,28,785 2032 ₹ 4,20,000 ₹ 2,39,895 ₹ 6,59,895 2033 ₹ 4,80,000 ₹ 3,27,633 ₹ 8,07,633 2034 ₹ 5,40,000 ₹ 4,34,108 ₹ 9,74,108 2035 ₹ 6,00,000 ₹ 5,61,695 ₹ 11,61,695 2036 ₹ 6,60,000 ₹ 7,13,074 ₹ 13,73,074 2037 ₹ 7,20,000 ₹ 8,91,261 ₹ 16,11,261 2038 ₹ 7,80,000 ₹ 10,99,656 ₹ 18,79,656 2039 ₹ 8,40,000 ₹ 13,42,090 ₹ 21,82,090 2040 ₹ 9,00,000 ₹ 16,22,880 ₹ 25,22,880 2041 ₹ 9,60,000 ₹ 19,46,891 ₹ 29,06,891 2042 ₹ 10,20,000 ₹ 23,19,604 ₹ 33,39,604 2043 ₹ 10,80,000 ₹ 27,47,196 ₹ 38,27,196 2044 ₹ 11,40,000 ₹ 32,36,627 ₹ 43,76,627 2045 ₹ 12,00,000 ₹ 37,95,740 ₹ 49,95,740 2046 ₹ 12,60,000 ₹ 44,33,371 ₹ 56,93,371 2047 ₹ 13,20,000 ₹ 51,59,480 ₹ 64,79,480 2048 ₹ 13,80,000 ₹ 59,85,287 ₹ 73,65,287 2049 ₹ 14,40,000 ₹ 69,23,436 ₹ 83,63,436 2050 ₹ 15,00,000 ₹ 79,88,175 ₹ 94,88,175 2051 ₹ 15,60,000 ₹ 91,95,560 ₹ 1,07,55,560 2052 ₹ 16,20,000 ₹ 1,05,63,681 ₹ 1,21,83,681 2053 ₹ 16,80,000 ₹ 1,21,12,924 ₹ 1,37,92,924 2054 ₹ 17,40,000 ₹ 1,38,66,258 ₹ 1,56,06,258 2055 ₹ 18,00,000 ₹ 1,58,49,569 ₹ 1,76,49,5698/11
Corpus from Rs 10,000 SIP in 10, 20, 30 years
8/11The estimated corpus in 10 years will be Rs 22,40,359, in 20 years, it will be Rs 91,98,574, and in 30 years, it will soar to Rs 3,08,09,732.
Year Total Investment Returns Maturity Value 2026 ₹ 1,20,000 ₹ 8,093 ₹ 1,28,093 2027 ₹ 2,40,000 ₹ 32,432 ₹ 2,72,432 2028 ₹ 3,60,000 ₹ 75,076 ₹ 4,35,076 2029 ₹ 4,80,000 ₹ 1,38,348 ₹ 6,18,348 2030 ₹ 6,00,000 ₹ 2,24,864 ₹ 8,24,864 2031 ₹ 7,20,000 ₹ 3,37,570 ₹ 10,57,570 2032 ₹ 8,40,000 ₹ 4,79,790 ₹ 13,19,790 2033 ₹ 9,60,000 ₹ 6,55,266 ₹ 16,15,266 2034 ₹ 10,80,000 ₹ 8,68,215 ₹ 19,48,215 2035 ₹ 12,00,000 ₹ 11,23,391 ₹ 23,23,391 2036 ₹ 13,20,000 ₹ 14,26,148 ₹ 27,46,148 2037 ₹ 14,40,000 ₹ 17,82,522 ₹ 32,22,522 2038 ₹ 15,60,000 ₹ 21,99,311 ₹ 37,59,311 2039 ₹ 16,80,000 ₹ 26,84,180 ₹ 43,64,180 2040 ₹ 18,00,000 ₹ 32,45,760 ₹ 50,45,760 2041 ₹ 19,20,000 ₹ 38,93,782 ₹ 58,13,782 2042 ₹ 20,40,000 ₹ 46,39,208 ₹ 66,79,208 2043 ₹ 21,60,000 ₹ 54,94,392 ₹ 76,54,392 2044 ₹ 22,80,000 ₹ 64,73,254 ₹ 87,53,254 2045 ₹ 24,00,000 ₹ 75,91,479 ₹ 99,91,479 2046 ₹ 25,20,000 ₹ 88,66,742 ₹ 1,13,86,742 2047 ₹ 26,40,000 ₹ 1,03,18,959 ₹ 1,29,58,959 2048 ₹ 27,60,000 ₹ 1,19,70,573 ₹ 1,47,30,573 2049 ₹ 28,80,000 ₹ 1,38,46,872 ₹ 1,67,26,872 2050 ₹ 30,00,000 ₹ 1,59,76,351 ₹ 1,89,76,351 2051 ₹ 31,20,000 ₹ 1,83,91,120 ₹ 2,15,11,120 2052 ₹ 32,40,000 ₹ 2,11,27,362 ₹ 2,43,67,362 2053 ₹ 33,60,000 ₹ 2,42,25,847 ₹ 2,75,85,847 2054 ₹ 34,80,000 ₹ 2,77,32,516 ₹ 3,12,12,516 2055 ₹ 36,00,000 ₹ 3,16,99,138 ₹ 3,52,99,1389/11
Corpus from Rs 15,000 SIP in 10, 20, 30 years
9/11The estimated corpus in 10 years will be Rs 33,60,538, in 20 years, it will be Rs 1,37,97,860, and in 30 years, it will soar to Rs 4,62,14,598.
Year Total Investment Returns Maturity Value 2026 ₹ 1,80,000 ₹ 12,140 ₹ 1,92,140 2027 ₹ 3,60,000 ₹ 48,648 ₹ 4,08,648 2028 ₹ 5,40,000 ₹ 1,12,615 ₹ 6,52,615 2029 ₹ 7,20,000 ₹ 2,07,523 ₹ 9,27,523 2030 ₹ 9,00,000 ₹ 3,37,296 ₹ 12,37,296 2031 ₹ 10,80,000 ₹ 5,06,355 ₹ 15,86,355 2032 ₹ 12,60,000 ₹ 7,19,685 ₹ 19,79,685 2033 ₹ 14,40,000 ₹ 9,82,898 ₹ 24,22,898 2034 ₹ 16,20,000 ₹ 13,02,323 ₹ 29,22,323 2035 ₹ 18,00,000 ₹ 16,85,086 ₹ 34,85,086 2036 ₹ 19,80,000 ₹ 21,39,222 ₹ 41,19,222 2037 ₹ 21,60,000 ₹ 26,73,783 ₹ 48,33,783 2038 ₹ 23,40,000 ₹ 32,98,967 ₹ 56,38,967 2039 ₹ 25,20,000 ₹ 40,26,269 ₹ 65,46,269 2040 ₹ 27,00,000 ₹ 48,68,640 ₹ 75,68,640 2041 ₹ 28,80,000 ₹ 58,40,673 ₹ 87,20,673 2042 ₹ 30,60,000 ₹ 69,58,812 ₹ 1,00,18,812 2043 ₹ 32,40,000 ₹ 82,41,589 ₹ 1,14,81,589 2044 ₹ 34,20,000 ₹ 97,09,881 ₹ 1,31,29,881 2045 ₹ 36,00,000 ₹ 1,13,87,219 ₹ 1,49,87,219 2046 ₹ 37,80,000 ₹ 1,33,00,113 ₹ 1,70,80,113 2047 ₹ 39,60,000 ₹ 1,54,78,439 ₹ 1,94,38,439 2048 ₹ 41,40,000 ₹ 1,79,55,860 ₹ 2,20,95,860 2049 ₹ 43,20,000 ₹ 2,07,70,307 ₹ 2,50,90,307 2050 ₹ 45,00,000 ₹ 2,39,64,526 ₹ 2,84,64,526 2051 ₹ 46,80,000 ₹ 2,75,86,681 ₹ 3,22,66,681 2052 ₹ 48,60,000 ₹ 3,16,91,043 ₹ 3,65,51,043 2053 ₹ 50,40,000 ₹ 3,63,38,771 ₹ 4,13,78,771 2054 ₹ 52,20,000 ₹ 4,15,98,774 ₹ 4,68,18,774 2055 ₹ 54,00,000 ₹ 4,75,48,707 ₹ 5,29,48,70710/11
Corpus from Rs 20,000 SIP in 10, 20, 30 years
10/11The estimated corpus in 10 years will be Rs 44,80,718, in 20 years, it will be Rs 1,83,97,147, and in 30 years, it will soar to Rs 6,16,19,464.
Year Total Investment Returns Maturity Value 2026 ₹ 2,40,000 ₹ 16,187 ₹ 2,56,187 2027 ₹ 4,80,000 ₹ 64,864 ₹ 5,44,864 2028 ₹ 7,20,000 ₹ 1,50,153 ₹ 8,70,153 2029 ₹ 9,60,000 ₹ 2,76,697 ₹ 12,36,697 2030 ₹ 12,00,000 ₹ 4,49,727 ₹ 16,49,727 2031 ₹ 14,40,000 ₹ 6,75,141 ₹ 21,15,141 2032 ₹ 16,80,000 ₹ 9,59,580 ₹ 26,39,580 2033 ₹ 19,20,000 ₹ 13,10,531 ₹ 32,30,531 2034 ₹ 21,60,000 ₹ 17,36,430 ₹ 38,96,430 2035 ₹ 24,00,000 ₹ 22,46,782 ₹ 46,46,782 2036 ₹ 26,40,000 ₹ 28,52,296 ₹ 54,92,296 2037 ₹ 28,80,000 ₹ 35,65,044 ₹ 64,45,044 2038 ₹ 31,20,000 ₹ 43,98,623 ₹ 75,18,623 2039 ₹ 33,60,000 ₹ 53,68,359 ₹ 87,28,359 2040 ₹ 36,00,000 ₹ 64,91,520 ₹ 1,00,91,520 2041 ₹ 38,40,000 ₹ 77,87,564 ₹ 1,16,27,564 2042 ₹ 40,80,000 ₹ 92,78,417 ₹ 1,33,58,417 2043 ₹ 43,20,000 ₹ 1,09,88,785 ₹ 1,53,08,785 2044 ₹ 45,60,000 ₹ 1,29,46,508 ₹ 1,75,06,508 2045 ₹ 48,00,000 ₹ 1,51,82,958 ₹ 1,99,82,958 2046 ₹ 50,40,000 ₹ 1,77,33,484 ₹ 2,27,73,484 2047 ₹ 52,80,000 ₹ 2,06,37,919 ₹ 2,59,17,919 2048 ₹ 55,20,000 ₹ 2,39,41,146 ₹ 2,94,61,146 2049 ₹ 57,60,000 ₹ 2,76,93,743 ₹ 3,34,53,743 2050 ₹ 60,00,000 ₹ 3,19,52,702 ₹ 3,79,52,702 2051 ₹ 62,40,000 ₹ 3,67,82,241 ₹ 4,30,22,241 2052 ₹ 64,80,000 ₹ 4,22,54,725 ₹ 4,87,34,725 2053 ₹ 67,20,000 ₹ 4,84,51,694 ₹ 5,51,71,694 2054 ₹ 69,60,000 ₹ 5,54,65,032 ₹ 6,24,25,032 2055 ₹ 72,00,000 ₹ 6,33,98,275 ₹ 7,05,98,27511/11
Corpus from Rs 25,000 SIP in 10, 20, 30 years
11/11The estimated corpus in 10 years will be Rs 56,00,897, in 20 years, it will be Rs 2,29,96,434, and in 30 years, it will soar to Rs 7,70,24,330.
Year Total Investment Returns Maturity Value 2026 ₹ 3,00,000 ₹ 20,233 ₹ 3,20,233 2027 ₹ 6,00,000 ₹ 81,080 ₹ 6,81,080 2028 ₹ 9,00,000 ₹ 1,87,691 ₹ 10,87,691 2029 ₹ 12,00,000 ₹ 3,45,871 ₹ 15,45,871 2030 ₹ 15,00,000 ₹ 5,62,159 ₹ 20,62,159 2031 ₹ 18,00,000 ₹ 8,43,926 ₹ 26,43,926 2032 ₹ 21,00,000 ₹ 11,99,475 ₹ 32,99,475 2033 ₹ 24,00,000 ₹ 16,38,164 ₹ 40,38,164 2034 ₹ 27,00,000 ₹ 21,70,538 ₹ 48,70,538 2035 ₹ 30,00,000 ₹ 28,08,477 ₹ 58,08,477 2036 ₹ 33,00,000 ₹ 35,65,370 ₹ 68,65,370 2037 ₹ 36,00,000 ₹ 44,56,304 ₹ 80,56,304 2038 ₹ 39,00,000 ₹ 54,98,279 ₹ 93,98,279 2039 ₹ 42,00,000 ₹ 67,10,449 ₹ 1,09,10,449 2040 ₹ 45,00,000 ₹ 81,14,400 ₹ 1,26,14,400 2041 ₹ 48,00,000 ₹ 97,34,455 ₹ 1,45,34,455 2042 ₹ 51,00,000 ₹ 1,15,98,021 ₹ 1,66,98,021 2043 ₹ 54,00,000 ₹ 1,37,35,981 ₹ 1,91,35,981 2044 ₹ 57,00,000 ₹ 1,61,83,135 ₹ 2,18,83,135 2045 ₹ 60,00,000 ₹ 1,89,78,698 ₹ 2,49,78,698 2046 ₹ 63,00,000 ₹ 2,21,66,855 ₹ 2,84,66,855 2047 ₹ 66,00,000 ₹ 2,57,97,398 ₹ 3,23,97,398 2048 ₹ 69,00,000 ₹ 2,99,26,433 ₹ 3,68,26,433 2049 ₹ 72,00,000 ₹ 3,46,17,179 ₹ 4,18,17,179 2050 ₹ 75,00,000 ₹ 3,99,40,877 ₹ 4,74,40,877 2051 ₹ 78,00,000 ₹ 4,59,77,801 ₹ 5,37,77,801 2052 ₹ 81,00,000 ₹ 5,28,18,406 ₹ 6,09,18,406 2053 ₹ 84,00,000 ₹ 6,05,64,618 ₹ 6,89,64,618 2054 ₹ 87,00,000 ₹ 6,93,31,290 ₹ 7,80,31,290 2055 ₹ 90,00,000 ₹ 7,92,47,844 ₹ 8,82,47,844
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