SIP Calculator —
15 Year Returns

At 12% annual return, a ₹5,000/month SIP for 15 years builds approximately ₹25.2 lakhs. You invest ₹9 lakhs total, generating ₹16.2 lakhs in returns — 1.8× your invested amount in pure returns. The 15-year horizon is where compounding genuinely accelerates, with the final 5 years contributing more than the first 10 years combined.

Fifteen years is one of the most powerful SIP horizons. You get 2–3 full market cycles, meaning entry and exit timing risk is nearly eliminated. Historical data shows Indian equity funds have consistently delivered 12–15% CAGR over 15-year periods. This horizon also aligns well with major life goals like children's education or buying a home.

To accumulate ₹1 crore in 15 years at 12% annual return, you need approximately ₹20,000/month SIP. At 15% return (aggressive equity/mid-cap), the required SIP drops to about ₹15,000/month. Adding a 10% annual step-up further reduces the required starting SIP to around ₹12,000/month. Use the calculator above to find your exact number.

For 15-year financial planning, 12% is a conservative and widely accepted benchmark for diversified equity mutual funds in India. Aggressive planners use 14–15% for mid/small-cap-heavy portfolios. Financial advisors typically recommend using 10–12% to avoid overestimating your corpus. Always plan conservatively and let actual returns be a pleasant surprise.

Rupee cost averaging (RCA) means your monthly SIP buys more mutual fund units when markets are low and fewer when markets are high. Over 15 years, this averages your purchase cost and significantly reduces the impact of market timing. Studies show that investors who stayed invested through market crashes (2008, 2020) via SIP recovered faster and earned significantly more than those who stopped or redeemed during downturns.