Question 1

What is the return on ₹2,500 SIP for 5 years?

Accepted Answer

At an assumed 12% a year, ₹2,500 a month for 5 years grows to about ₹2,06,216. You invest ₹1,50,000, so about ₹56,216 is growth. At 10% it would be about ₹1,95,206.

Question 2

How much is ₹2,500 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 ₹2,46,143 at 12% a year, from ₹1,83,153 invested.

Return	Growth	Total	Exact
8%	₹34.9k	₹1.85 lakh	₹1,84,917
10%	₹45.2k	₹1.95 lakh	₹1,95,206
12%	₹56.2k	₹2.06 lakh	₹2,06,216
15%	₹74.2k	₹2.24 lakh	₹2,24,204

Year	Put in	Growth	Total
1	₹30,000	₹2,023	₹32,023
2	₹60,000	₹8,108	₹68,108
3	₹90,000	₹18,769	₹1,08,769
4	₹1,20,000	₹34,587	₹1,54,587
5	₹1,50,000	₹56,216	₹2,06,216

SIP of ₹2,500 a month for 5 years

At different returns

Year by year at 12%

₹2,500 a month for other periods

Other amounts for 5 years

SIP needed for a goal