Question 1

What is the return on ₹1,000 SIP for 5 years?

Accepted Answer

At an assumed 12% a year, ₹1,000 a month for 5 years grows to about ₹82,486. You invest ₹60,000, so about ₹22,486 is growth. At 10% it would be about ₹78,082.

Question 2

How much is ₹1,000 SIP for 5 years with a 10% step-up?

Accepted Answer

If you raise the monthly amount by 10% each year, it grows to about ₹98,457 at 12% a year, from ₹73,261 invested.

Return	Growth	Total	Exact
8%	₹14k	₹74k	₹73,967
10%	₹18.1k	₹78.1k	₹78,082
12%	₹22.5k	₹82.5k	₹82,486
15%	₹29.7k	₹89.7k	₹89,682

Year	Put in	Growth	Total
1	₹12,000	₹809	₹12,809
2	₹24,000	₹3,243	₹27,243
3	₹36,000	₹7,508	₹43,508
4	₹48,000	₹13,835	₹61,835
5	₹60,000	₹22,486	₹82,486

SIP of ₹1,000 a month for 5 years

At different returns

Year by year at 12%

₹1,000 a month for other periods

Other amounts for 5 years

SIP needed for a goal