15000 SIP for 5 Years

Examples of ₹15000 SIP for 5 Years

Following are the examples of how a SIP of ₹15,000 per month for 5 years would grow in large-cap, mid-cap, and small-cap funds using a SIP calculator:

1. ₹15000 SIP for 5 Years in Large-Cap Fund

   Case 1: A woman invests ₹15,000 per month in a large-cap fund for 5 years to save for her child’s school education. The wealth gained will be as follows:

   • Fund Type: Large Cap Fund

   • Monthly Investment: ₹15,000

   • Investment Period: 5 Years

   • Expected Annualized Return: 12%

   Now, calculating the returns of this fund using a SIP calculator, the woman will get the following results:

   • Total Investment: ₹9,00,000

   • Estimated Value at Maturity: ₹12.2 lakhs

   • Wealth Gained: ₹3.17 lakhs

2. ₹15000 SIP for 5 Years in Mid-Cap Fund

   Case 2: An engineer invests ₹15,000 every month in a mid-cap fund for 5 years to save for buying a second home. Their maturity amount will be as follows:

   • Fund Type: Mid Cap Fund

   • Monthly Investment: ₹15,000

   • Investment Period: 5 Years

   • Expected Annualized Return: 15%

   Calculating the returns of this fund using an SIP calculator will give the following results:

   • Total Investment: ₹9,00,000

   • Estimated Value at Maturity: ₹13.1 lakhs

   • Wealth Gained: ₹4.1 lakhs

3. ₹15000 SIP for 5 Years in Small-Cap Fund

   Case 3: An IT professional invests ₹15,000 monthly in a small-cap fund for 5 years to buy their favourite car. They can get the following amount after maturity:

   • Fund Type: Small Cap Fund

   • Monthly Investment: ₹15,000

   • Investment Period: 5 Years

   • Expected Annualized Return: 18%

   Calculating the returns of this fund using a SIP calculator will give the following results:

   • Total Investment: ₹9,00,000

   • Estimated Value at Maturity: ₹14.1 lakhs

   • Wealth Gained: ₹5.1 lakhs

   Returns from ₹15000 SIP for 5 Years: Calculation Table

   Fund Type	Monthly SIP (₹)	Investment Duration	Total Investment (₹)	Expected Annual Return (%)	Maturity Amount (₹)	Wealth Gained
   Large Cap Fund	₹15,000	5 Years	9,00,000	12% p.a.	₹12.2 lakhs	₹3.17 lakhs
   Mid Cap Fund	₹15,000	5 Years	9,00,000	15% p.a.	₹13.1 lakhs	₹4.1 lakhs
   Small Cap Fund	₹15,000	5 Years	9,00,000	18% p.a.	₹14.1 lakhs	₹5.1 lakhs

NOTES:

• Maturity increases with higher returns.

• Returns are not guaranteed and depend on the mutual fund's performance.

• Small-cap funds offer high growth potential but carry high risk, mid-cap funds provide a balance of risk and return, while large-cap funds offer stable returns but are less risky. 

SIP Calculator

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Monthly SIP Yearly SIP Lumpsum

I want to invest Pro Tip

Financial experts suggest that a person should invest 10-15% of their monthly income for long-term financial growth

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I want to invest for Pro Tip

Financial experts suggest that individuals should ideally invest for a period of 5 to 10 years, or even longer, to maximize the benefits of compounding and navigate market fluctuations effectively

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Expected return Pro Tip

Top 25% of investors consistently generate more than 12% return

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Total Wealth ₹22.4 L

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I want to save

I want to invest for Pro Tip

Financial experts suggest that individuals should ideally invest for a period of 5 to 10 years, or even longer, to maximize the benefits of compounding and navigate market fluctuations effectively

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Expected return Pro Tip

Top 25% of investors consistently generate more than 12% return

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Monthly Investment ₹22.4 L

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Top Funds with High Returns (Past 7 Years)

18.11%

High Growth Fund

17.8%

Top 200 Fund

13.97%

Accelerator Mid-Cap Fund II

14.53%

Opportunities Fund

9.16%

Equity II Fund

12.86%

Accelerator Fund

14.32%

Growth Opportunities Plus Fund

15.24%

Multiplier

11.57%

Equity Top 250 Fund

12.76%

Future Apex Fund

12.02%

Opportunities Fund

14.09%

Frontline Equity Fund

15.2%

Virtue II

10.49%

Pension Dynamic Equity Fund

12.03%

Equity Optimiser Pension

10.05%

Blue-Chip Equity Fund

Benefits of Investing in SIP Today

The key benefits of investing regularly in a SIP are as follows:

• Affordable Investment: Start with as low as ₹500 per month, making it accessible for everyone.

• Disciplined Approach: Encourages regular savings and builds financial discipline over time.

• Power of Compounding: Reinvested returns help grow your wealth exponentially over the long term.

• Rupee Cost Averaging: Mitigates market volatility by purchasing units at different price levels.

• Flexibility: Choose your investment amount, frequency, and tenure as per your financial goals.

• Diversification: Invests across various asset classes, reducing overall risk.

• Professional Management: Managed by experienced fund managers for optimal returns.

• Tax Benefits: A Linked Insurance Plan (ULIP), Child Plans, and ELSS funds under SIP provide tax deductions up to ₹1.5 lakh under Section 80C.

Conclusion

Investing ₹15,000 monthly in SIPs for 5 years can help you achieve financial goals like buying a house or funding higher education. You can use online tools like SIP Calculator, XIRR Calculator, and CAGR Calculator to estimate returns and choose funds aligned with your risk tolerance.