SIP Calculator: Can a ₹15K SIP in Mutual Funds Really Generate Over ₹1 Crore?

Investing in mutual funds has become one of the most popular ways for individuals to grow wealth systematically over the long term. Among the various strategies, Systematic Investment Plans (SIPs) stand out for their simplicity and effectiveness. SIPs remove the need to time the market. 

Regular investments allow you to buy more units when markets are low and fewer when markets are high. The longer your money stays invested, the greater the impact of compounding. 20 years is a significant period for wealth to grow exponentially. But the big question many investors often ask is: Can a ₹15,000 monthly SIP actually grow to over ₹1 crore? Let’s break it down.

A SIP allows you to invest a fixed amount regularly, say every month, into a mutual fund. This disciplined approach benefits from rupee cost averaging and the power of compounding, making it an ideal choice for long-term wealth creation.

Here’s a scenario to illustrate:

• Monthly SIP: ₹15,000
• Tenure: 20 years
• Expected Annual Return: 12%
• Total Invested Amount: ₹36,00,000

Power of Compounding

Compounding is the key driver of wealth creation in mutual funds. Over time, the returns earned on your investments start generating their own returns. This exponential growth can be astonishing, especially with consistent investing over a long horizon.

Using an SIP calculator, you can estimate the return of a ₹15,000 monthly SIP over 20 years at an assumed annual return of 12%

• Estimated Returns: ₹1,13,87,219
• Total Corpus: ₹1,49,87,219

Also Read: What Are the Factors Driving Equity Mutual Funds Inflows in November 2025 

Conclusion

Investing in mutual funds through SIPs is not just about numbers; it’s about building financial discipline, patience, and long-term vision. A ₹15,000 SIP might seem like a small step today, but with consistency and the magic of compounding, it has the potential to secure a financially rewarding future.

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.