SIP Calculator: How a ₹15,000 Monthly SIP Can Grow to ₹4.1 Crore in 29 Years

If you often struggle to save and want to build long-term wealth, a Systematic Investment Plan (SIP) can help you achieve your financial goals. SIP allows you to invest a fixed amount every month in mutual funds. Over time, your money grows through compounding, where the interest earned also starts earning returns.

How SIP Helps You Build Wealth

By investing regularly, you can accumulate a large corpus even with modest monthly contributions. The key is discipline and time. The longer you stay invested, the more your money compounds.

Let’s look at an example of how SIP can help you reach your ₹4 crore goal.

Example: How ₹15,000 Monthly Can Grow to ₹4.1 Crore

If you invest ₹15,000 every month through SIP for 29 years at an assumed 12% annual return, you can accumulate approximately ₹4.1 crore.

Here’s how it breaks down:

• Total Investment: ₹52,20,000
• Capital Gains: ₹3,58,72,054
• Total Corpus: ₹4,10,92,054

This shows how small, regular investments can turn into a massive sum over time — all thanks to the power of compounding.

Why SIP Is Ideal for Long-Term Goals

SIPs help you invest gradually without timing the market. They are perfect for building retirement savings, children’s education funds, or other long-term goals. Staying invested and being consistent are the keys to maximising returns.

Read More, SIP Calculator: ₹5,100 Monthly for 15 Years vs ₹11,000 for 7 Years – Which Gives Better Returns?

Conclusion

A ₹15,000 monthly SIP can potentially make you a ₹4 crore investor in 29 years with a 12% return rate. The earlier you start, the more you benefit from compounding. SIPs are one of the most disciplined and effective ways to build long-term wealth for your future.

Disclaimer: This blog has been written exclusively for educational purposes. The securities mentioned are only examples and not recommendations. It is based on several secondary sources on the internet and is subject to changes. 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.