Plan wealth creation with systematic monthly investments and optional annual step-up.
SIP (Systematic Investment Plan) is a disciplined method of investing a fixed amount in mutual funds at regular intervals. The key advantage is rupee cost averaging — you buy more units when prices are low and fewer when prices are high.
Where: P = Monthly SIP amount, r = Monthly rate of return, n = Total months
| Duration | Invested | At 10% | At 12% | At 15% |
|---|---|---|---|---|
| 5 Years | ₹6.0L | ₹7.7L | ₹8.2L | ₹9.0L |
| 10 Years | ₹12.0L | ₹20.5L | ₹23.2L | ₹27.9L |
| 15 Years | ₹18.0L | ₹41.5L | ₹50.5L | ₹67.7L |
| 20 Years | ₹24.0L | ₹76.6L | ₹99.9L | ₹1.5Cr |
| 25 Years | ₹30.0L | ₹1.3Cr | ₹1.9Cr | ₹3.3Cr |
| 30 Years | ₹36.0L | ₹2.3Cr | ₹3.5Cr | ₹7.0Cr |
| Factor | SIP | Lump Sum |
|---|---|---|
| Market timing needed? | No | Yes |
| Risk level | Lower (cost averaging) | Higher (single entry) |
| Best in falling market? | Yes (buys more units) | No |
| Best in rising market? | Moderate | Yes (captures full gains) |
| Discipline required | Built-in (auto-debit) | Self-managed |
| Ideal for | Salaried individuals | Windfall/bonus income |
A step-up SIP increases your monthly investment by a fixed percentage each year (typically 10%). This accounts for salary growth and dramatically increases long-term wealth.
Historically, equity mutual funds in India have delivered 12-15% CAGR over 10+ year periods. Debt funds typically return 6-8%. Past performance does not guarantee future returns.
Yes. SIPs have no lock-in period (except ELSS funds which have a 3-year lock-in). You can pause, modify, or stop your SIP at any time through your mutual fund app or AMC website.
SIP in ELSS funds qualifies for Section 80C deduction (up to ₹1.5L/year). For equity funds, LTCG above ₹1.25L is taxed at 12.5%. STCG is taxed at 20%. Debt fund gains are taxed at your income slab rate.
At 12% annual returns: ₹5,000/month for 25 years, or ₹10,000/month for 20 years, or ₹26,000/month for 15 years will grow to approximately ₹1 Crore.
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