₹10,000/Month SIP for 15 Years
Har mahine ₹10,000 invest karke 15 saal me (12% expected annual return — equity mutual fund ka long-term average assumption.) aapki estimated maturity value neeche hai. SIP me compounding ka fayda time ke saath badhta hai.
Last updated: 7 Oct 2026 · This is an estimate — actual values may vary.
Estimated Maturity Value
₹50,45,760
| Monthly Investment | ₹10,000 |
| Expected Annual Return | 12% |
| Time Period | 15 years (180 months) |
| Total Amount Invested | ₹18,00,000 |
| Estimated Gains | ₹32,45,760 |
| Estimated Maturity Value | ₹50,45,760 |
Computed on 7 Oct 2026 with the same formula as our
SIP Calculator.
How we calculated it
How we calculated it
Monthly SIP future value = P × ((1+r)^n − 1)/r × (1+r), where r = annual return ÷ 12 ÷ 100 and n = years × 12. This is the annuity-due formula — it assumes each instalment is invested at the start of the month, which is how most SIP calculators and mutual fund houses quote projections.
Invested amount = monthly investment × total months. Estimated gains = maturity value − invested amount.
Honest limits
- Returns are assumed constant every month — real market returns swing up and down.
- Expense ratios, exit loads and capital-gains tax are not deducted.
- This is a projection, not a promise — no return is guaranteed.
Frequently asked questions
12% return guaranteed hai?
Bilkul nahi — 12% sirf long-term equity average ka assumption hai. Actual returns market par depend karte hain, kam ya zyada ho sakte hain. Ye investment advice nahi hai.
SIP me compounding kaise kaam karta hai?
Har mahine ka investment monthly compounding se badhta hai — returns par bhi returns milte hain. Isliye 15 saal me gains invested amount se zyada ho sakte hain.
SIP kabhi band kar sakte hain?
Haan, SIP pause/stop kabhi bhi kar sakte ho, lekin lamba time horizon hi compounding ka asli fayda deta hai.