5000 SIP for 15 Years

Investing ₹5,000 monthly in a Systematic Investment Plan (SIP) for 15 years is a disciplined and strategic approach to achieving long-term financial goals. SIPs leverage compounding and rupee-cost averaging, making them ideal for building wealth steadily over time. Let's explore how a ₹5,000 SIP can grow across different fund categories and help you meet your financial aspirations.

SIP Plan Benefits

Start SIP with as low as ₹1000

No hidden charges

Save upto ₹46,800 in Taxunder section 80C^{^}

Zero LTCG Tax^¶

Disciplined & worry-free investing

Examples of ₹5,000 SIP for 15 Years

With an investment tenure of 15 years, your SIP benefits from the power of compounding and market cycles. Here are some examples based on historical average returns. You can calculate the returns using an SIP calculator:

Example 1: Large-Cap Fund

Scenario: Raj, a 30-year-old professional, plans to build a retirement corpus for financial independence at 45.
Monthly SIP Amount: ₹5,000
Investment Period: 15 years
Fund Type: Large Cap
Annualised Returns: 12% CAGR (Estimated)

Outcome: By investing in a large-cap fund, Raj’s corpus could grow to approximately ₹23.8 lakhs, providing a strong foundation for his retirement plans.

Example 2: Mid-Cap Fund

Scenario: Neha, a 25-year-old entrepreneur, wants to fund her child’s education in 15 years.
Monthly SIP Amount: ₹5,000
Investment Period: 15 years
Fund Type: Mid Cap
Annualised Returns: 14% CAGR (Estimated)

Outcome: Neha’s investment in a mid-cap fund could grow to around ₹28.3 lakhs, helping her secure her child’s higher education.

Example 3: Small-Cap Fund

Scenario: Karan, a 28-year-old IT professional, is saving for a dream vacation and a financial safety net.
Monthly SIP Amount: ₹5,000
Investment Period: 15 years
Fund Type: Small Cap
Annualised Returns: 16% CAGR (Estimated)

Outcome: With a small-cap fund, Karan’s SIP could grow to approximately ₹30.8 lakhs, allowing him to fulfil his aspirations and maintain financial security.

SIP Calculator

I know my investment amount I know my goal amount

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

/Month

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

Years

Expected return Pro Tip

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

% Annually

Total Wealth ₹22.4 L

View Plans

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

Years

Expected return Pro Tip

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

% Annually

Monthly Investment ₹22.4 L

View Plans

Top Funds with High Returns (Past 7 Years)

16.4%

High Growth Fund

16.77%

Top 200 Fund

13.2%

Accelerator Mid-Cap Fund II

13.33%

Opportunities Fund

8.64%

Equity II Fund

11.62%

Accelerator Fund

12.67%

Grow Money Plus Fund

14.04%

Multiplier

10.82%

Equity Top 250 Fund

11.19%

Future Apex Fund

10.97%

Opportunities Fund

12.76%

Frontline Equity Fund

14.2%

Virtue II

9.39%

Pension Dynamic Equity Fund

10.45%

Equity Fund

9.07%

Blue-Chip Equity Fund

Insurance Companies
Mutual Funds

Fund Name	5 Years	7 Years	10 Years
	Returns
High Growth Fund Max Life Rating	24.84%	18.57%	16.4% View Plan
Top 200 Fund Tata AIA Rating	24.04%	20.03%	16.77% View Plan
Accelerator Mid-Cap Fund II Bajaj Allianz Rating	17.43%	10.73%	13.2% View Plan
Opportunities Fund HDFC Standard Rating	17.56%	12.29%	13.33% View Plan
Equity II Fund Canara HSBC Oriental Bank Rating	11.56%	9.27%	8.64% View Plan
Grow Money Plus Fund Bharti AXA Rating	15.75%	13.48%	12.67% View Plan
Multiplier Birla Sun Life Rating	18.22%	11.28%	14.04% View Plan
Opportunities Fund ICICI Prudential Rating	15.71%	11.97%	10.97% View Plan
Flexi Growth Fund LIC Rating	-	-	- View Plan
Virtue II PNB Metlife Rating	20.71%	15.98%	14.2% View Plan

Fund rating powered by

Last updated: Feb 2025

Compare more funds

Fund Name	3 Years	5 Years	10 Years
	Returns
Active Fund QUANT	23.92%	31.48%	21.87%
Flexi Cap Fund PARAG PARIKH	20.69%	26.41%	19.28%
Large and Mid-Cap Fund EDELWEISS	22.34%	24.29%	17.94%
Equity Opportunities Fund KOTAK	24.64%	25.01%	19.45%
Large and Midcap Fund MIRAE ASSET	19.74%	24.32%	22.50%
Flexi Cap Fund PGIM INDIA	14.75%	23.39%	-
Flexi Cap Fund DSP	18.41%	22.33%	16.91%
Emerging Equities Fund CANARA ROBECO	20.05%	21.80%	15.92%
Focused fund SUNDARAM	18.27%	18.22%	16.55%

Last updated: Feb 2025

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˜Top 5 plans based on annualized premium, for bookings made in the first 6 months of FY 24-25. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. This list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. For a complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website, www.irdai.gov.in

Why Start a ₹5,000 SIP Today?

Discipline and Consistency: SIPs instil a habit of regular savings.
Flexibility: You can adjust your investment as your financial situation changes.
Long-Term Growth: The longer the tenure, the greater the compounding effect.
Market Volatility Management: SIPs use rupee-cost averaging to mitigate the impact of market fluctuations.

By starting today, even with a modest amount like ₹5,000, you can create a significant corpus for future needs.

Start An Sip Today Watch Your Money Grow

FAQs

Is a ₹5,000 SIP enough for long-term goals?
Yes, a ₹5,000 SIP for 15 years can help you achieve goals such as:
- Building a retirement corpus
- Funding a child’s education
- Saving for a down payment on a house
- Creating a financial safety net
The key is to start early and remain consistent.
How do I choose the right fund for my ₹5,000 SIP?
The right fund of which sip is best depends on your risk tolerance and financial goals:
- Large-Cap Funds: Lower risk, stable returns.
- Mid-Cap Funds: Moderate risk, higher potential returns.
- Small-Cap Funds: High risk, aggressive growth.
Consider consulting a financial advisor to align your investments with your objectives.
What happens if I miss an SIP payment?

Missing one or two payments won’t result in penalties, but consistent investing is crucial to achieve long-term growth. Inform your fund house if you anticipate frequent payment issues.
Can I withdraw my SIP investment before 15 years?

Yes, you can withdraw your SIP investments anytime. However, early withdrawals might attract exit loads or taxes, depending on the fund. It’s advisable to stay invested for the full tenure to maximize returns.
Can I increase my SIP amount during the investment period?

Yes, you can increase your SIP amount using a top-up SIP option. This allows you to adjust your investments as your income grows, enhancing your final corpus.
Are SIP returns guaranteed?

No, SIP returns are not guaranteed as they depend on market performance. However, staying invested for the long term typically reduces risks and increases the likelihood of higher returns.
How are SIP returns taxed?
- Equity Funds:
  - Gains held for over one year are taxed at 10% (above ₹1 lakh).
  - Short-term gains (under one year) are taxed at 15%.
- Debt Funds:
  - Gains held for over three years are taxed at 20% with indexation.
  - Short-term gains are taxed as per your income tax slab.