If You Start a ₹2,000 SIP in 2025, What Will It Be Worth in 2040?

Investing via Systematic Investment Plans (SIPs) can be one of the most disciplined ways. If you're wondering what a small monthly investment like ₹2,000 can do over the long haul, the answer might surprise you, especially when compounded over 15 years.

₹2,000 SIP Over 15 Years: Growth Potential

Starting a SIP with just ₹2,000 per month may seem modest, but over time, it can build significant corpus, thanks to the power of compounding and disciplined investing.

If you begin in 2025 and continue for 15 years, i.e., until 2040, your total invested amount will be:

₹2,000 × 12 months × 15 years = ₹3.6 lakh

Let’s now explore how this amount can grow under three different annual return scenarios:

Scenario 1: 8% Annual Return

With an average annual return of 8%, your investment will grow to approximately ₹6.96 lakh.

That’s a gain of ₹3.3 lakh, or nearly 90% over your total contribution. Here the invested amount is ₹3,60,000 and the estimated returns are ₹3,36,690.

Scenario 2: 10% Annual Return

At a 10% return, the same SIP will grow to nearly ₹8.35 lakh. That’s an increase of ₹4,75,000 over the invested amount, which is about 131%.

Scenario 3: 12% Annual Return

If you manage to earn 12% annually, your ₹2,000 monthly SIP will grow to around ₹10,09,152. This is a 180% gain over your ₹3.6 lakh investment.

Why This Matters?

Even with a small monthly contribution, long-term investing can help you create corpus your future goals, like your child’s education, retirement, or buying a house. The earlier you start, the more time your money gets to grow.

Also Read: Can SIPs Help You Save ₹25 Lakh in 10 Yrs for Your Child’s Education?

Conclusion

As the example shows, even a modest monthly investment of ₹2,000 can grow your corpus over time, reaching over ₹10 lakh in 15 years. But every investor’s journey is different. Your investment horizon, risk appetite, and expected returns can all influence the final outcome. That’s where a SIP calculator becomes an essential tool. It helps you estimate potential returns, set realistic goals, and make informed decisions.

Disclaimer: This blog has been written exclusively for educational purposes. The securities mentioned are only examples and not recommendations. This does not constitute a personal recommendation/investment advice. It does not aim to influence any individual or entity to make investment decisions. Recipients should conduct their own research and assessments to form an independent opinion about investment decisions.

Mutual Fund investments are subject to market risks, read all scheme-related documents carefully.