Updated 2026-07-30

SIP ₹5,000/Month for 15 Years: Calculator Scenario

A ₹5,000/month SIP at 12% compounds to ₹25,22,880 in 15 years. After 6% inflation, that buys what ₹10,52,710 buys today. Adjust the rate, amount, and years in the calculator to test your own scenario.

Return Rate	Maturity	Wealth Gained	Real Value (6% inflation)	After-Tax Real Value
10%	₹20.90 L	₹11.90 L	₹8.72 L	₹8.14 L
12% (base)	₹25.23 L	₹16.23 L	₹10.53 L	₹9.71 L
15%	₹33.84 L	₹24.84 L	₹14.12 L	₹12.84 L

You invest ₹9,00,000; compounding adds ₹16,22,880

Over 15 years you contribute ₹9,00,000 from your pocket (₹5,000 × 180 months). At a 12% CAGR that becomes ₹25,22,880, so compounding adds ₹16,22,880 on top of what you put in. The longer you stay invested, the larger this gains-to-contribution ratio becomes; most of it lands in the later years.

₹25,22,880 in 15 years buys what ₹10,52,710 buys today

₹25,22,880 in 15 years is not ₹25,22,880 of today's purchasing power. After 6% average inflation, it buys what about ₹10,52,710 buys today. That is still real growth: your money grows faster than prices, but the honest figure is the inflation-adjusted one, not the headline number.

One-shot redemption: ₹1,94,724 LTCG on ₹16,22,880 of gains

Equity mutual fund units held over 12 months qualify for long-term capital gains tax: 12.5% on gains above the ₹1.25 lakh annual exemption. On ₹16,22,880 of gains, a one-shot redemption implies roughly ₹1,94,724 in LTCG tax, leaving about ₹23,28,156. Redeeming in tranches across financial years uses the ₹1.25 lakh exemption each year and can reduce that figure materially.

A flat amount falls behind as income grows

₹5,000/month builds a useful base, but a flat contribution loses ground as income and goals grow. Link the SIP to a target and raise it after a salary hike, once expenses and emergency savings are covered.

Step up, stay invested, cut costs, redeem in tranches

Step up the SIP: raising ₹5,000 by 10% a year as income grows beats the flat amount over 15 years.
Stay the full tenure: the biggest compounding happens in the later years; stopping early forfeits most of the gains.
Keep costs low: a direct-plan Nifty 50 index fund (0.1–0.2% expense ratio) preserves more of the 12% than a high-cost regular plan.
Redeem in tranches: spreading withdrawals across financial years uses the ₹1.25 lakh LTCG exemption repeatedly.

Frequently Asked Questions

How much will ₹5,000/month SIP give in 15 years?

At 12% CAGR (Nifty 50 long-term average), a ₹5,000/month SIP for 15 years grows to ₹25.23 L. You invest ₹9.00 L and gain ₹16.23 L. In conservative (10%) and optimistic (15%) scenarios it becomes ₹20.90 L and ₹33.84 L respectively.

What is the real (inflation-adjusted) value of ₹5,000 SIP after 15 years?

The ₹25.23 L maturity has the purchasing power of about ₹10.53 L in today's money, after 6% average inflation. Nominal numbers always look bigger than what they can actually buy.

How much tax do I pay on a ₹5,000 SIP maturing in 15 years?

Equity mutual fund gains held over 12 months are taxed as LTCG at 12.5% above the ₹1.25 lakh annual exemption (Income Tax Act 2025). On total gains of ₹16.23 L, the indicative LTCG tax is ₹1.95 L, leaving roughly ₹23.28 L post-tax. Actual tax depends on how you redeem (staggered exits use the exemption each year).

Is ₹5,000/month SIP enough?

It depends on your goal. ₹5,000/month for 15 years builds ₹25.23 L at 12%. Increasing the SIP by 10% each year (step-up) as your salary grows can substantially raise the final corpus versus a flat amount.

Try it yourself → SIP Calculator