Question 1

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

Accepted Answer

At an assumed 12% a year, ₹500 a month for 5 years grows to about ₹41,243. You invest ₹30,000, so about ₹11,243 is growth. At 10% it would be about ₹39,041.

Question 2

How much is ₹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 ₹49,229 at 12% a year, from ₹36,631 invested.

Return	Growth	Total	Exact
8%	₹7k	₹37k	₹36,983
10%	₹9k	₹39k	₹39,041
12%	₹11.2k	₹41.2k	₹41,243
15%	₹14.8k	₹44.8k	₹44,841

Year	Put in	Growth	Total
1	₹6,000	₹405	₹6,405
2	₹12,000	₹1,622	₹13,622
3	₹18,000	₹3,754	₹21,754
4	₹24,000	₹6,917	₹30,917
5	₹30,000	₹11,243	₹41,243

SIP of ₹500 a month for 5 years

At different returns

Year by year at 12%

₹500 a month for other periods

Other amounts for 5 years

SIP needed for a goal