Question 1

What is the return on ₹15,000 SIP for 5 years?

Accepted Answer

At an assumed 12% a year, ₹15,000 a month for 5 years grows to about ₹12,37,295. You invest ₹9,00,000, so about ₹3,37,295 is growth. At 10% it would be about ₹11,71,236.

Question 2

How much is ₹15,000 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 ₹14,76,856 at 12% a year, from ₹10,98,918 invested.

Return	Growth	Total	Exact
8%	₹2.1 lakh	₹11.1 lakh	₹11,09,501
10%	₹2.71 lakh	₹11.71 lakh	₹11,71,236
12%	₹3.37 lakh	₹12.37 lakh	₹12,37,295
15%	₹4.45 lakh	₹13.45 lakh	₹13,45,225

Year	Put in	Growth	Total
1	₹1,80,000	₹12,140	₹1,92,140
2	₹3,60,000	₹48,648	₹4,08,648
3	₹5,40,000	₹1,12,615	₹6,52,615
4	₹7,20,000	₹2,07,523	₹9,27,523
5	₹9,00,000	₹3,37,295	₹12,37,295

SIP of ₹15,000 a month for 5 years

At different returns

Year by year at 12%

₹15,000 a month for other periods

Other amounts for 5 years

SIP needed for a goal