Power of SIP: What Will be the Value of ₹25K SIP Over 25 Years

Investing through a Systematic Investment Plan (SIP) is one of the most disciplined and effective ways to build long-term wealth, especially for individuals who prefer consistent, manageable contributions over time. In the given scenario, an investor commits ₹25,000 per month to a SIP for a tenure of 25 years, expecting a return of 12% annually. This approach not only encourages regular savings but also leverages the power of compounding and rupee cost averaging, leading to substantial wealth creation over time.

In order to calculate the estimated return with a different monthly SIP, you can use Angel One SIP Calculator.

₹25,000 SIP for 25 Years

Over a period of 25 years, a total investment of ₹75 lakh grows nearly 6.3 times, resulting in an estimated maturity corpus of ₹4.74 crore. The majority of this wealth, over ₹3.99 crore, comes purely from returns, thanks to the compounding effect.

Also Read: SIP Inflows Hit Record ₹28,464 Crore in July 2025

Conclusion

SIP investing is not about timing the market, but about spending time in the market. Considering the scenario, consistency, patience, and a long-term perspective can transform relatively modest monthly investments into a sizeable financial corpus. For investors aiming for financial independence, retirement planning, or large life goals, SIPs offer a disciplined and accessible route to achieving those ambitions.

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.