SIP Calculator ₹5000 Per Month
See exactly how much a ₹5,000 monthly SIP grows over 10, 15, 20, 25, and 30 years. Adjust the return rate to model different market scenarios.
Investment Details
Maturity Amount
₹11.62 L
93.6% total returns
Total Invested
₹6.00 L
Wealth Gained
₹5.62 L
Monthly SIP
₹5,000
Maturity Amount
₹11.62 L
Growth Over Time
₹5,000 Monthly SIP Returns at 12%
Projected corpus at 12% annual return (historical equity average)
| Duration | Amount Invested | Returns Created | Total Value |
|---|---|---|---|
| 5 years | ₹3L | ₹1.12L | ₹4.12L |
| 10 years | ₹6L | ₹5.61L | ₹11.61L |
| 15 years | ₹9L | ₹16.23L | ₹25.23L |
| 20 years | ₹12L | ₹37.96L | ₹49.96L |
| 25 years | ₹15L | ₹79.88L | ₹94.88L |
| 30 years | ₹18L | ₹1.58 Cr | ₹1.76 Cr |
Illustrative projections at 12% p.a. Mutual fund returns are not guaranteed. Past performance is not indicative of future results.
₹5,000 SIP at Different Return Rates (20 Years)
How the final corpus changes with return rate — total invested: ₹12 lakh
| Annual Return | Total Value | Returns Created |
|---|---|---|
| 8% | ₹29.45L | ₹17.45L |
| 10% | ₹38.28L | ₹26.28L |
| 12% | ₹49.96L | ₹37.96L |
| 14% | ₹65.24L | ₹53.24L |
| 15% | ₹75.79L | ₹63.79L |
20-year projection. Monthly SIP: ₹5,000. Amounts are approximate.
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The Power of Compounding with ₹5000/month
The most remarkable thing about a ₹5,000 SIP is how dramatically the corpus grows in the later years — not the early ones. This is the power of compounding, and it requires time to show its full effect.
In the first 10 years, you invest ₹6 lakh and create ₹5.61 lakh in returns — a respectable 93% gain on your invested amount. But in the next 10 years (years 11–20), you invest another ₹6 lakh, yet the corpus grows from ₹11.6 lakh to ₹49.96 lakh — adding ₹38.4 lakh. Nearly 7× more wealth created from the same ₹5,000/month investment. That acceleration is compounding at work: your returns from year 1–10 themselves start earning returns in years 11–20.
This is why starting early is more important than starting with a large amount. A 25-year-old investing ₹5,000/month for 30 years will retire with dramatically more wealth than a 35-year-old investing ₹15,000/month for 20 years — despite investing less total money.
Best Mutual Funds for ₹5000 SIP in India
For a ₹5,000 monthly SIP, the fund category matters more than the specific fund name. Here is how to choose:
- Index funds (Nifty 50 / Nifty 500): Lowest cost (expense ratio under 0.2%), market-linked returns of 12–14% historically. Best for beginners and long-term (15+ years) investors.
- Flexi-cap funds: Fund manager invests across large, mid, and small-cap stocks based on opportunity. Good for 10–15 year horizons with moderate risk tolerance.
- Large-cap funds: Lower volatility, invest in top 100 companies by market cap. Suitable if you want equity exposure with slightly lower downside risk.
- ELSS (Tax Saving) funds: Same as equity funds but with 3-year lock-in. Qualifies for ₹1.5 lakh deduction under Section 80C — useful if you need tax saving along with wealth creation.
SIP vs RD vs FD — Best Option for ₹5000/month
SIP (Equity)
₹49.96L
20 yrs · 12% est.
- · Market-linked returns
- · Tax-efficient LTCG
- · Flexible, pause anytime
RD (Bank)
₹30.2L
20 yrs · 7% est.
- · Guaranteed returns
- · Fully taxable interest
- · Fixed tenure
FD (Lump sum)
~₹25L
20 yrs · 7% est.
- · Guaranteed returns
- · Fully taxable interest
- · Requires lump sum
Illustrative projections. SIP returns are not guaranteed. RD/FD returns are approximate.