Shri Sai Praasad Services
AMFI-registered mutual fund distributor · ARN-82367 · EUIN E068029
What does a monthly SIP grow into?
Prepared 27 October 2026
SIP returns
What does a monthly SIP grow into?
Project a monthly investment forward and see how much of the final corpus is your money versus compounding.
Corpus after 20 years
₹2,29,96,434
Indian equity funds have returned roughly 11–13% over long periods. Anything above 15% is optimistic.
- You invest
- ₹60.0 L
- Compounding adds
- ₹1.70 Cr
From year 12, more of this corpus comes from returns than from your own contributions.
What this assumes
- Instalment paid
- Start of each month
- Compounding
- Monthly
- Returns
- Constant, as you set them
- Step-up applied
- Once every 12 months
What it does not account for
- Exit load, which most equity schemes charge on units redeemed within a year.
- Capital gains tax. Long-term equity gains above ₹1.25 lakh a year are taxed at 12.5%.
- The expense ratio, if you enter a gross return figure rather than a net one.
- Sequence of returns. Real markets deliver the same average through a very different path, and the path is what tests you.
Mutual fund investments are subject to market risks. Read all scheme related documents carefully. Outputs here are illustrations based on the assumptions you set, not projections of any scheme’s performance.
This is an illustration of compound growth under the assumptions shown, not a projection, a forecast or a guarantee of any scheme’s performance. Mutual fund investments are subject to market risks. Read all scheme related documents carefully.
Shri Sai Praasad Services is the practice of two AMFI-registered mutual fund distributors — Hemant Shridhar Kulkarni (ARN-82367) and Hemangi Hemant Kulkarni (ARN-157202) — neither of whom is a SEBI-registered investment adviser. They earn commission from asset management companies on the schemes they distribute, do not charge a fee for distribution, and do not guarantee returns. Insurance is offered under a separate registration from the mutual fund distribution business.
+91 94049 52882 · kulkarnihemanta@gmail.com · shrisaipraasad.example.com
A number is not a plan.
The calculator tells you the size of the gap. Closing it takes a scheme selection, an allocation and a review schedule.