XIRR (Extended Internal Rate of Return) is the actual annualised return you earned on a SIP, accounting for the timing and sequence of cash flows. It differs from the assumed flat rate because markets fluctuate. Track XIRR in your mutual fund portal to measure true performance.

SIP Returns Calculator – See How Your Money Grows

Calculate exact returns for ₹1,000 to ₹50,000 monthly SIPs. Browse comprehensive tables showing maturity values across 8%, 10%, 12%, 15% return rates for 5 to 30 years. Compare with FDs and step-up scenarios.

Quick SIP Returns Calculator

Monthly SIP Amount (₹)

Investment Duration (Years)

Annual Return Rate (%)

₹1,000 SIP Monthly Returns Table

See how a ₹1,000 monthly SIP grows at different rates of return over various time periods. This is an ideal starting amount for beginners or those on a tight budget.

Duration	8% Return	10% Return	12% Return	15% Return
5 Years	₹0.67L	₹0.76L	₹0.83L	₹0.96L
10 Years	₹1.57L	₹1.96L	₹2.32L	₹3.00L
15 Years	₹3.00L	₹4.15L	₹5.05L	₹7.41L
20 Years	₹5.48L	₹7.93L	₹10.00L	₹16.18L
25 Years	₹9.26L	₹14.04L	₹18.98L	₹34.01L
30 Years	₹15.08L	₹24.61L	₹39.98L	₹73.60L

₹2,000 SIP Monthly Returns Table

Doubling the SIP amount to ₹2,000 roughly doubles the final corpus. This table shows returns for a common mid-range SIP amount.

Duration	8% Return	10% Return	12% Return	15% Return
5 Years	₹1.35L	₹1.53L	₹1.67L	₹1.92L
10 Years	₹3.15L	₹3.92L	₹4.64L	₹5.99L
15 Years	₹6.01L	₹8.30L	₹10.10L	₹14.82L
20 Years	₹10.96L	₹15.87L	₹20.01L	₹32.36L
25 Years	₹18.52L	₹28.07L	₹37.96L	₹68.02L
30 Years	₹30.17L	₹49.22L	₹79.96L	₹1.47Cr

₹5,000 SIP Monthly Returns Table

A ₹5,000 monthly SIP is the sweet spot for middle-class savers in India. This table shows how substantial wealth can be built over 15–30 years.

Duration	8% Return	10% Return	12% Return	15% Return
5 Years	₹3.37L	₹3.82L	₹4.12L	₹4.80L
10 Years	₹7.88L	₹9.81L	₹11.62L	₹14.97L
15 Years	₹15.02L	₹20.75L	₹25.23L	₹37.05L
20 Years	₹27.40L	₹39.67L	₹49.96L	₹80.91L
25 Years	₹46.29L	₹70.18L	₹94.88L	₹1.70Cr
30 Years	₹75.42L	₹1.23Cr	₹1.99Cr	₹3.68Cr

₹10,000 SIP Monthly Returns Table

A ₹10,000 monthly SIP can build wealth of ₹1 crore and beyond over 20–25 years. This is a popular amount among mid-career professionals.

Duration	8% Return	10% Return	12% Return	15% Return
5 Years	₹6.74L	₹7.65L	₹8.25L	₹9.60L
10 Years	₹15.76L	₹19.61L	₹23.23L	₹29.95L
15 Years	₹30.05L	₹41.50L	₹50.46L	₹74.10L
20 Years	₹54.80L	₹79.34L	₹99.91L	₹1.62Cr
25 Years	₹92.57L	₹1.40Cr	₹1.89Cr	₹3.40Cr
30 Years	₹1.51Cr	₹2.46Cr	₹3.99Cr	₹7.37Cr

₹25,000 SIP Monthly Returns Table

A ₹25,000 monthly SIP builds crorepati-level wealth. For 20 years at 12%, you reach ₹2.49 crore—a life-changing amount for most Indian families.

Duration	8% Return	10% Return	12% Return	15% Return
5 Years	₹16.85L	₹19.12L	₹20.62L	₹24.01L
10 Years	₹39.40L	₹49.04L	₹58.08L	₹74.88L
15 Years	₹75.12L	₹1.04Cr	₹1.26Cr	₹1.85Cr
20 Years	₹1.37Cr	₹1.98Cr	₹2.49Cr	₹4.05Cr
25 Years	₹2.31Cr	₹3.50Cr	₹4.74Cr	₹8.50Cr
30 Years	₹3.78Cr	₹6.15Cr	₹9.98Cr	₹18.43Cr

₹50,000 SIP Monthly Returns Table

A ₹50,000 monthly SIP is for high-income earners. Over 20 years at 12%, this generates ₹4.98 crore—enough to build generational wealth.

Duration	8% Return	10% Return	12% Return	15% Return
5 Years	₹33.70L	₹38.24L	₹41.24L	₹48.02L
10 Years	₹78.80L	₹98.08L	₹1.16Cr	₹1.50Cr
15 Years	₹1.50Cr	₹2.08Cr	₹2.53Cr	₹3.70Cr
20 Years	₹2.74Cr	₹3.97Cr	₹4.98Cr	₹8.09Cr
25 Years	₹4.63Cr	₹7.00Cr	₹9.48Cr	₹17.01Cr
30 Years	₹7.57Cr	₹12.30Cr	₹19.96Cr	₹36.86Cr

SIP vs Fixed Deposit (FD) Comparison

SIPs offer higher returns than FDs over the long term, but come with market volatility. Here is a detailed side-by-side comparison for a ₹10,000 monthly investment over 20 years.

SIP (12% assumed return)

Monthly Investment ₹10,000

Total Invested ₹24 Lakh

Maturity Value ₹99.91 Lakh

Returns Earned ₹75.91 Lakh

Return Multiple 4.16x

Tax on Returns 10% LTCG (₹7.59L)

Post-Tax Value ₹92.32 Lakh

Fixed Deposit (7% annual return)

Monthly Investment ₹10,000

Total Invested ₹24 Lakh

Maturity Value ₹54.80 Lakh

Returns Earned ₹30.80 Lakh

Return Multiple 2.28x

Tax on Returns Slab rate (₹12.3L)

Post-Tax Value ₹36.50 Lakh

Key Takeaway: The SIP post-tax value is 2.53x higher than FD. This gap widens further if you assume 11–12% equity returns and stay invested for 25+ years. However, SIPs involve market risk; FDs have guaranteed returns. A balanced portfolio often includes both.

Step-up SIP Returns – How 10% Annual Increase Boosts Corpus

A step-up SIP increases the monthly investment by a fixed percentage every year, typically matching salary increments. Starting with ₹5,000 and increasing by 10% annually:

Year 1: ₹5,000/month
Year 2: ₹5,500/month (+10%)
Year 3: ₹6,050/month (+10%)
And so on...

Result at 12% return over 20 years: A flat ₹5,000 SIP grows to ₹49.96 lakh, but the same SIP with 10% annual step-up grows to approximately ₹82.50 lakh—a difference of ₹32.54 lakh. This is the power of combining consistency with incremental growth.

Frequently Asked Questions

How much returns for 1000 SIP per month? ▼

A ₹1,000 monthly SIP for 10 years at 12% annual return grows to approximately ₹2.32 lakh. Out of this, you invested ₹1.2 lakh (₹1,000 × 120 months) and earned ₹1.12 lakh in returns. For 20 years at the same rate, the corpus reaches ₹10 lakh, with ₹2.4 lakh invested and ₹7.6 lakh in pure compounding returns.

Can SIP make me a crorepati? ▼

Absolutely. A ₹25,000 monthly SIP for 20 years at 12% grows to ₹2.49 crore. A ₹10,000 monthly SIP over 25 years reaches ₹1.89 crore. Even ₹5,000 per month for 30 years at 12% produces ₹1.99 crore. Time and consistent contributions are the two key ingredients. The earlier you start, the less you need to invest monthly to reach a crore.

What is the best SIP amount? ▼

The best SIP amount is whatever you can afford to invest consistently without skipping months. Start with ₹500–₹1,000 per month if that is your budget. As your salary grows, increase it by 10% annually. Consistency matters far more than the initial size. A ₹1,000 SIP never missed is better than a ₹10,000 SIP you abandon after a year.

How much to invest in SIP for 1 crore? ▼

To build a ₹1 crore corpus: Invest ₹10,000 per month for 25 years at 12%, or ₹25,000 per month for 20 years, or ₹50,000 per month for 15 years. If you use a 10% annual step-up from the starting amount, you can reduce your initial monthly investment by 30–40%. For example, a step-up SIP starting at ₹8,000 with 10% annual increase reaches ₹1 crore in about 20 years.

Is ₹5000 SIP enough? ▼

A ₹5,000 monthly SIP for 20 years at 12% return builds ₹49.96 lakh, which is substantial wealth for most middle-class goals. For a child's higher education in 15 years, you need approximately ₹25 lakh—a ₹5,000 SIP easily covers this. For a car downpayment in 5 years (₹4.12 lakh), it is more than adequate. The amount is sufficient if your goal and timeline align.

What returns can I expect from SIP? ▼

Equity mutual fund SIPs in India have historically delivered 11–14% annualised returns over 10+ year periods. A conservative planning assumption is 12% for diversified equity funds and 8% for debt funds. Hybrid funds typically return 9–10%. Actual returns depend on the specific funds you choose, the market cycle, and how long you stay invested. Longer durations reduce volatility and improve predictability of returns.

What are SIP returns for 10 years? ▼

For a ₹10,000 monthly SIP at 12% annual return over 10 years: The corpus grows to ₹23.23 lakh. You invested ₹1.2 lakh total (₹10,000 × 120 months), and earned ₹11.23 lakh in returns—nearly a 2x return on your invested capital. The last 5 years of the SIP earn more than the first 5 combined due to compounding acceleration, demonstrating the exponential nature of long-term investing.

How to calculate SIP returns manually? ▼

Use the formula: FV = P × [((1+r)^n – 1)/r] × (1+r), where P is your monthly investment, r is the monthly rate (annual rate ÷ 12 ÷ 100), and n is the total number of months. For example, ₹10,000 monthly at 12% for 10 years: r = 0.01, n = 120, FV ≈ ₹23.23 lakh. Break down the formula: the exponent calculates compounding over n periods, and the (1+r) at the end accounts for SIP contributions at the beginning of each month.

What is XIRR in SIP? ▼

XIRR (Extended Internal Rate of Return) is the actual annualised return you earned on a SIP, accounting for the exact timing and sequence of your cash flows (each monthly contribution and the final value). It differs from the assumed flat rate because markets fluctuate—some months you buy units at lower NAVs, others at higher prices. Check your mutual fund portal for the XIRR; it is your true performance metric, not the assumed return.

Is SIP better than lumpsum? ▼

SIPs reduce market-timing risk through rupee-cost averaging—you buy more units when markets are low and fewer when they are high. This approach is ideal for salaried professionals with regular monthly income. Lumpsums work better if you have capital upfront and believe the market will only go up. Mathematically, lumpsums have a slight edge in a perpetually rising market, but SIPs win during volatile periods. Many advisors recommend a hybrid: invest a lumpsum in a liquid fund, then do a systematic transfer plan (STP) to equity over 12 months.