Systematic Investment Plan: If you also want to create a big and strong fund for the future, then a Systematic Investment Plan (SIP) can be a great option for you. SIP is a method of investment where you invest a fixed amount in mutual funds every month. Its biggest feature is that even small investments can give you bumper returns in the long term.

Imagine if you start a SIP of just ₹ 6000 every month and continue it continuously for 5, 10, 15, or 20 years, then your investment can give you surprising results. Today, with the help of an easy SIP calculation, we will tell you how big a fund you can create with a SIP of ₹ 6000.

What is SIP, and how does it work

SIP, i.e., Systematic Investment Plan, is a disciplined way of investing in mutual funds. In this, you invest a fixed amount every month, quarter, or as per your convenience. This is similar to a recurring deposit (RD), but here your money is invested in a mutual fund linked to the stock market, where the possibility of returns is much higher than that of an RD.

Main benefits of SIP

Investing a fixed amount every month makes you have a habit of saving. In the fluctuating market, it helps you buy more units when the market is down and fewer units when the market is up, thereby reducing your average cost. Power of Compounding: Your money earns returns not only on the principal but also on the returns earned on it, which makes your fund grow rapidly in the long term.

How much return will you get from a monthly SIP of ₹6000

Let us see how big a fund a SIP of ₹6000 per month can give you in different periods. Here we have estimated an average annual return of 12%, which is possible to get in equity mutual funds in the long term.

How much return in 5 years

If you do a SIP of ₹6000 per month, then:

Total investment:- ₹3,60,000 (₹6000 × 60 months)

Estimated return:- ₹4,86,622

Net profit:- around 35.17%

In just 5 years, your investment will grow by around ₹1.26 lakh.

How much return in 10 years

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If you continue a SIP of ₹6000 per month for 10 years, then:

Total investment:- ₹7,20,000 (₹6000 × 120 months)

Estimated return:- ₹13,44,215

Net profit:- around 86.70%

In 10 years, your investment will almost double, and you will get a profit of over ₹6.24 lakh.

How much return in 15 years

See the magic of a monthly SIP of ₹6000 for 15 years:

Total investment:- ₹10,80,000 (₹6000 × 180 months)

Estimated return:- ₹28,55,588

Net profit:- around 164.40%

Your investment will give a net profit of around ₹17.75 lakh, which is more than 1.5 times your original investment.

How much return in 20 years

If you continue SIP of ₹6000 with discipline for 20 years:

Total Investment:- ₹14,40,000 (₹6000 × 240 months)

Estimated Return:- ₹55,19,144

Net Gain:- Approx 283.27%

This is a big fund where your original investment will turn into a profit of over ₹40.79 lakhs.

How to become a crorepati in 25 years

And if you are patient and do a SIP of ₹6000 per month for 25 years, see the magic:

Total Investment:- ₹18,00,000 (₹6000 × 300 months)

Estimated Return:- ₹1,02,13,239 (over a crore!)

Net Gain:- Approximately 467.40%

Your monthly SIP of ₹6000 can make you a crorepati in 25 years! Your investment will give a net gain of over ₹84 lakhs. This is a great example of the incredible power of compounding.

How to become a crorepati with a ₹6000 SIP

As you can see in the table above, if you continue your monthly SIP of ₹6000 for 25 years, your total investment will be ₹18,00,000, but at an average annual return of 12%, your total estimated fund can be ₹1,02,13,239 (approx. 1.02 crores). This is the incredible magic of compound interest, where your money grows exponentially over time.

This shows how powerful long-term investing can be. It not only protects your savings but also multiplies them, making it easier to build a large fund for your financial goals like buying a house, children’s education, or retirement.