Question 1

What is the return on ₹20,000 SIP for 5 years?

Accepted Answer

At an assumed 12% a year, ₹20,000 a month for 5 years grows to about ₹16,49,727. You invest ₹12,00,000, so about ₹4,49,727 is growth. At 10% it would be about ₹15,61,648.

Question 2

How much is ₹20,000 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 ₹19,69,141 at 12% a year, from ₹14,65,224 invested.

Return	Growth	Total	Exact
8%	₹2.79 lakh	₹14.79 lakh	₹14,79,334
10%	₹3.62 lakh	₹15.62 lakh	₹15,61,648
12%	₹4.5 lakh	₹16.5 lakh	₹16,49,727
15%	₹5.94 lakh	₹17.94 lakh	₹17,93,634

Year	Put in	Growth	Total
1	₹2,40,000	₹16,187	₹2,56,187
2	₹4,80,000	₹64,864	₹5,44,864
3	₹7,20,000	₹1,50,153	₹8,70,153
4	₹9,60,000	₹2,76,697	₹12,36,697
5	₹12,00,000	₹4,49,727	₹16,49,727

SIP of ₹20,000 a month for 5 years

At different returns

Year by year at 12%

₹20,000 a month for other periods

Other amounts for 5 years

SIP needed for a goal