Do you how much amount you will get after 20 years by investing 15,000 as monthly SIP?
If you have a SIP setup for 15,000 per month, you can invest it smartly to get a steady income every month for years. Let’s understand how a mutual fund and Systematic Investment Plan (SIP) can help you do this.
Invest Rs 15,000 monthly via SIP and build Rs 2.27 crore in 20 years with 15% returns. Discover how SIP can give you steady income after retirement.
What is SIP (Systematic Investment Plan)?
SIP (Systematic Investment Plan) is a simple and smart way to invest in mutual funds. Instead of investing a large amount at once, SIP allows you to invest a fixed amount regularly — usually monthly or weekly.
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After retirement, a regular monthly income from your investment can help you to cover monthly expenses, maintain good lifestyle, medical expenses and it will avoid financial stress.
How Rs 15,000 investment will you monthly income?
With the right mutual fund and SIP plan, a 15,000 rs on monthly investment can grow over time and give you a monthly income. This is possible if your investment grows at a good annual return (for example, around 15% per year).
Important Note: These numbers are based on estimated returns. Actual returns can vary depending on market conditions and the fund’s performance.
How your 15,000 Rs Investment would grown
If you are investing 15,000 rupees as a monthly SIP for 20 years starting from 1st January 2025 in one of the mutual funds gave 15% yearly return.
At 5th years in Dec 2029
Investment: Rs. 9,00,000
Interest: Rs. 4,45,000
Total Portfolio Size: Rs. 13,45,000
At 10th years in Dec 2034
Investment: Rs. 18,00,000
Interest: Rs. 23,00,000
Total Portfolio Size: Rs. 41,80,000
At 15th years in Dec 2039
Investment: Rs. 27,00,000
Interest: Rs. 74,00,000
Total Portfolio Size: Rs. 1.01 Crore
At 20th years in Dec 2044
Investment: Rs. 36,00,000
Interest: Rs. 1.91 Crore
Total Portfolio Size: Rs. 2.27 Crore
Invest Rs 15,000 monthly via SIP and build Rs 2.27 crore in 20 years with 15% returns. Discover how SIP can give you steady income after retirement.
This investment of 36 lakhs will become 2.27 crore in 20 years. This is the power of compounding in mutual fund investment. At 20th years you would receive a yearly interest income of 31 lakhs. On monthly basis you would receive around 2.6 lakhs rupees at 20th year. At 20th year your portfolio would have increased 300% from inception to date by considering 15% yearly return. So, start early make the most of compounding. Mutual fund investment with good return can grow your significantly over time. A one-time investment can give you regular income later in life.
This is the power of long-term investing and mutual fund growth. Let your money work for you.
READ MORE: SIP Return Calculator – How to Calculate Your SIP Returns with Step-Up SIP & Types
Benefits of Using SIP in Mutual Funds
- Begin with small amount of investment as 500 rs per month.
- It will helps build huge portfolio in future.
- Your hard eared money will work for you and it will generate interest income for you.
- You buy more units when prices are low to average out the cost, if needed
- SIP reduces the risk on investment by entering into wrong time into the market.
Who Should Consider This Investment Plan?
This strategy is ideal for:
- Retired individuals looking for monthly income
- People with a large lump sum who don’t want to spend it all at once
- Investors seeking a passive income option
The longer you stayed invested, the more your money grows due to compounding. You can start, stop, increase or decrease your SIP anytime, it’s completely flexible. Whether it’s retirement, a children’s education, or buying a house, SIP is a perfect for planning big financial life goals. Investing through Sip can give better than keeping money in a saving account also you can invest small amounts regularly and build a big corpus over time. Start your SIP early, stay consistent and let time and compounding do the rest. Your future self will thank you.
Disclaimer: This is not an investment or financial advice. Always consult a financial advisor before investing to choose the right fund and plan based on your needs and risk level.
READ MORE: 20 Factors to Consider Before Investing in Mutual Funds
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