₹5,000/month SIP for 15 Years — Returns Calculator & Best Funds
TopFund Research
TopFund
What does ₹5,000/month SIP become in 15 years? At 12% CAGR, your ₹900,000 investment grows to ₹2,522,880 — that's 2.8x returns. Best funds and comparison table inside.
If you invest ₹5,000 per month in a mutual fund SIP for 15 years at an average return of 12% p.a., your investment grows to ₹2,522,880. That's 2.8x your invested amount of ₹900,000.
SIP Returns Comparison — ₹5,000/month at Different Rates
| Annual Return | Maturity in 15 Years | Wealth Created |
|---|---|---|
| 8% p.a. | ₹1,741,726 | ₹841,726 |
| 10% p.a. | ₹2,089,621 | ₹1,189,621 |
| 12% p.a. | ₹2,522,880 | ₹1,622,880 |
| 15% p.a. | ₹3,384,315 | ₹2,484,315 |
| 18% p.a. | ₹4,596,044 | ₹3,696,044 |
How Much Do Different SIP Amounts Grow in 15 Years?
| Monthly SIP | Total Invested | Maturity at 12% | Wealth Created |
|---|---|---|---|
| ₹500/month | ₹90,000 | ₹252,288 | ₹162,288 |
| ₹1,000/month | ₹180,000 | ₹504,576 | ₹324,576 |
| ₹2,000/month | ₹360,000 | ₹1,009,152 | ₹649,152 |
| ₹5,000/month | ₹900,000 | ₹2,522,880 | ₹1,622,880 |
| ₹10,000/month | ₹1,800,000 | ₹5,045,760 | ₹3,245,760 |
Best Funds for SIP of ₹5,000/month
- Mirae Asset NYSE FANG + ETF Fund of Fund D... — 3Y CAGR: +49.7% | 5★
- Mirae Asset NYSE FANG + ETF Fund of Fund R... — 3Y CAGR: +49.2% | 5★
- DSP Silver ETF — 3Y CAGR: +47.7% | 4★
See full list: Best SIP Funds →
Continue Exploring
SIP vs Lump Sum — Which is Better?
For most retail investors, SIP is better than lump sum because:
- Rupee cost averaging — you buy more units when market is low, fewer when high
- No need to time the market — invest consistently regardless of market level
- Discipline — automatic monthly investment builds wealth habit
- Lower average cost — over time, SIP often results in lower average purchase price
Frequently Asked Questions
Is ₹5,000/month SIP enough to create wealth?
Yes! ₹5,000 per month invested for 15 years at 12% annual return grows to ₹2,522,880 — creating ₹1,622,880 in wealth on an investment of just ₹900,000. Start as early as possible to maximize compounding.
Which mutual fund is best for ₹5,000/month SIP?
For long-term wealth creation, Flexi Cap and Large & Mid Cap funds are ideal. Look for 4-5 star rated Direct Growth plans with a consistent 10+ year track record. Compare funds on TopFund's Best SIP Funds page.
How is SIP maturity calculated?
SIP maturity = P × [(1+r)^n - 1] / r × (1+r), where P = monthly investment, r = monthly return rate (annual/12), n = total months. At 12% annual return and 15 years, ₹5,000/month becomes ₹2,522,880.
Share this guide