Question 1

What is the return on ₹2,000 SIP for 5 years?

Accepted Answer

At an assumed 12% a year, ₹2,000 a month for 5 years grows to about ₹1,64,973. You invest ₹1,20,000, so about ₹44,973 is growth. At 10% it would be about ₹1,56,165.

Question 2

How much is ₹2,000 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 ₹1,96,914 at 12% a year, from ₹1,46,522 invested.

Return	Growth	Total	Exact
8%	₹27.9k	₹1.48 lakh	₹1,47,933
10%	₹36.2k	₹1.56 lakh	₹1,56,165
12%	₹45k	₹1.65 lakh	₹1,64,973
15%	₹59.4k	₹1.79 lakh	₹1,79,363

Year	Put in	Growth	Total
1	₹24,000	₹1,619	₹25,619
2	₹48,000	₹6,486	₹54,486
3	₹72,000	₹15,015	₹87,015
4	₹96,000	₹27,670	₹1,23,670
5	₹1,20,000	₹44,973	₹1,64,973

SIP of ₹2,000 a month for 5 years

At different returns

Year by year at 12%

₹2,000 a month for other periods

Other amounts for 5 years

SIP needed for a goal