Question 1

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

Accepted Answer

At an assumed 12% a year, ₹5,000 a month for 5 years grows to about ₹4,12,432. You invest ₹3,00,000, so about ₹1,12,432 is growth. At 10% it would be about ₹3,90,412.

Question 2

How much is ₹5,000 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 ₹4,92,285 at 12% a year, from ₹3,66,306 invested.

Return	Growth	Total	Exact
8%	₹69.8k	₹3.7 lakh	₹3,69,834
10%	₹90.4k	₹3.9 lakh	₹3,90,412
12%	₹1.12 lakh	₹4.12 lakh	₹4,12,432
15%	₹1.48 lakh	₹4.48 lakh	₹4,48,408

Year	Put in	Growth	Total
1	₹60,000	₹4,047	₹64,047
2	₹1,20,000	₹16,216	₹1,36,216
3	₹1,80,000	₹37,538	₹2,17,538
4	₹2,40,000	₹69,174	₹3,09,174
5	₹3,00,000	₹1,12,432	₹4,12,432

SIP of ₹5,000 a month for 5 years

At different returns

Year by year at 12%

₹5,000 a month for other periods

Other amounts for 5 years

SIP needed for a goal