Overview

• Recent SIP calculators show that a ₹100 monthly SIP at a 12% annual return can grow to about ₹8,276 in 5 years, ₹23,351 in 10 years and ₹50,630 in 15 years
• Raising the monthly SIP to ₹500 projects growth to around ₹41,380 in 5 years, ₹1.16 lakh in 10 years and over ₹2.53 lakh in 15 years, while a ₹1,000 SIP yields approximately ₹82,760, ₹2.33 lakh and ₹5.06 lakh across the same horizons
• A ₹5,000 monthly SIP over 30 years at an assumed 15% return could build a retirement corpus of about ₹3.5 crore from an ₹18 lakh total investment
• The calculators underscore how rupee cost averaging and compounding drive wealth accumulation even with small contributions, recommending step-up SIPs aligned with income growth
• Experts advise evaluating fund track record, manager credibility, AUM and expense ratios, maintaining investment discipline during market downturns and recognising that past returns do not guarantee future gains