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
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Scenario: Raj, a 30-year-old professional, plans to build a retirement corpus for financial independence at 45.
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Monthly SIP Amount: ₹5,000
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Investment Period: 15 years
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Fund Type: Large Cap
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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
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Scenario: Neha, a 25-year-old entrepreneur, wants to fund her child’s education in 15 years.
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Monthly SIP Amount: ₹5,000
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Investment Period: 15 years
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Fund Type: Mid Cap
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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
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Scenario: Karan, a 28-year-old IT professional, is saving for a dream vacation and a financial safety net.
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Monthly SIP Amount: ₹5,000
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Investment Period: 15 years
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Fund Type: Small Cap
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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
Monthly Investment
₹22.4 L
Top Funds with High Returns (Past 7 Years)
16.82%
High Growth Fund
16.57%
Top 200 Fund
13.25%
Accelerator Mid-Cap Fund II
13.43%
Opportunities Fund
9.13%
Growth Plus Fund
11.71%
Accelerator Fund
12.71%
Grow Money Plus Fund
14.1%
Multiplier
10.7%
Equity Top 250 Fund
11.43%
Future Apex Fund
10.91%
Opportunities Fund
12.95%
Frontline Equity Fund
15.2%
Virtue II
9.52%
Pension Dynamic Equity Fund
11.03%
Top 300 Fund
9.19%
Blue-Chip Equity Fund
- Insurance Companies
- Mutual Funds
|
Returns |
| Fund Name |
5 Years |
7 Years |
10 Years |
| Max Life |
33.56% |
19.72% |
|
| Tata AIA |
33.06% |
20.69% |
|
| Bajaj Allianz |
26.11% |
11.93% |
|
| HDFC Standard |
26.28% |
13.34% |
|
| Canara HSBC Oriental Bank |
18.66% |
9.86% |
|
| Bharti AXA |
23.24% |
13.96% |
|
| Birla Sun Life |
27.71% |
12.46% |
|
| ICICI Prudential |
24.94% |
12.68% |
|
| LIC |
- |
- |
|
| PNB Metlife |
23.2% |
17.21% |
|
Fund rating powered by
Last updated: Mar 2025
| |
Returns |
| Fund Name |
3 Years |
5 Years |
10 Years |
| QUANT |
23.92% |
31.48% |
|
| PARAG PARIKH |
20.69% |
26.41% |
|
| EDELWEISS |
22.34% |
24.29% |
|
| KOTAK |
24.64% |
25.01% |
|
| MIRAE ASSET |
19.74% |
24.32% |
|
| PGIM INDIA |
14.75% |
23.39% |
|
| DSP |
18.41% |
22.33% |
|
| CANARA ROBECO |
20.05% |
21.80% |
|
| SUNDARAM |
18.27% |
18.22% |
|
Why Start a ₹5,000 SIP Today?
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Discipline and Consistency: SIPs instil a habit of regular savings.
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Flexibility: You can adjust your investment as your financial situation changes.
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Long-Term Growth: The longer the tenure, the greater the compounding effect.
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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.
FAQs
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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:
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Building a retirement corpus
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Funding a child’s education
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Saving for a down payment on a house
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Creating a financial safety net
The key is to start early and remain consistent.
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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:
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Large-Cap Funds: Lower risk, stable returns.
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Mid-Cap Funds: Moderate risk, higher potential returns.
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Small-Cap Funds: High risk, aggressive growth.
Consider consulting a financial advisor to align your investments with your objectives.
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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.
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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.
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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.
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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.
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How are SIP returns taxed?
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Equity Funds:
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Debt Funds:
