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SIP Calculator 2026: Know How ₹5,000 Per Month Can Grow to ₹50 Lakh in 20 Years

Vikram Singh
By Vikram Singh
3 min read
Published: 27 Feb 2026
SIP Calculator 2026: Know How ₹5,000 Per Month Can Grow to ₹50 Lakh in 20 Years
Mutual Fund SIP Investment Strategy 2026: In today’s era of rising inflation, relying solely on bank FDs or traditional savings schemes is unwise. To take advantage of the stock market’s long-term growth and the incredible power of compounding, monthly savings of ₹5,000 to ₹15,000 can put you in the league of millionaires in the future. In this article, we’ll explore how a small monthly installment can translate into a substantial sum over 5, 10, or 20 years using a SIP calculator.

₹5,000 Monthly SIP

If you’re at an early stage in your career or want to enter the world of investing with less risk, a monthly SIP of ₹5,000 is an excellent option. If you invest in a good equity mutual fund that has the potential to deliver an average annual return of 12 to 15 percent, the results can be astonishing.
SIP Investment Calculation
At an average return of 12 percent, your total investment over the next 10 years will be ₹6 lakh, but its market value will grow to approximately ₹11.6 lakh. If you show the patience to continue this investment for 20 years, your total accumulated corpus of ₹12 lakh can turn into a massive fund of ₹50 lakh. This is the magical effect of compounding, which multiplies the speed of your money over time.

Monthly SIP of ₹10,000

Investing ₹10,000 per month is ideal for those who want to achieve major goals like their children’s higher education or buying their own home as soon as possible. Assuming a slightly better return of 15 percent, which is quite possible with good mid-cap or flexi-cap funds, after 10 years, your ₹12 lakh investment will grow into a wealth of approximately ₹27.8 lakh.
If you can extend this journey for 20 years, your ₹24 lakh investment will cross the magical figure of ₹1.51 crore. The most interesting thing here is that over 20 years, your investment has only doubled, but the profits have increased manifold because the time spent in the market is your real capital.

Monthly SIP of ₹15,000

Those with the financial capacity to invest ₹15,000 per month can build an impenetrable security ring in a very short time. In the economic landscape of 2026, where India is among the world’s fastest-growing economies, achieving annual returns of 12 to 14 percent seems quite realistic.
SIP Calculation
SIP Calculation
If you earn an average return of 12 percent, you will have a corpus of approximately ₹75 lakh after 15 years of disciplined investing. If you can maintain this for 25 years, this corpus can reach ₹2.85 crore. This ₹15,000 SIP is a boon for those who want to retire early at the age of 45 or 50 and live the life of their choice.

Make market fluctuations your friend

The most important rule for successful mutual fund SIPs is to start as early as possible, as the longer the time, the greater the profits. Furthermore, you should adopt a “step-up SIP” strategy, which means increasing your investment amount by 5 to 10 percent each year as your income increases, so that you can achieve your goal well before the set time. Most importantly, never stop your SIP due to market volatility or fear of a downturn, because during downturns, you get more units at a lower price, which accelerates your future profits.
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