A monthly SIP of ₹20,000 may look simple at the start, but over time, compounding can turn regular investing into a sizeable retirement corpus. Based on the given SIP calculator assumptions, the investment grows to over ₹1 crore in 15 years.
The calculation is based on 3 clear inputs. The monthly SIP amount is ₹20,000, the expected annualised return is 12%, and the investment period is 15 years.
These figures help estimate how much wealth can be created when a fixed amount is invested regularly over a long period.
With a monthly SIP of ₹20,000 for 15 years, the total invested amount comes to ₹36,00,000. At an expected annualised return of 12%, the estimated value of the investment grows to ₹1,00,91,520.
This means the estimated returns amount to ₹64,91,520, which is higher than the actual money invested. The difference comes from the power of compounding, where returns start earning further returns over time.
The SIP calculator shows that regular monthly investing can create a large corpus when continued for a meaningful period. In this case, a total investment of ₹36,00,000 grows to more than ₹1 crore over 15 years, assuming a 12% annualised return.
The final estimated corpus is ₹1,00,91,520. Out of this, ₹36,00,000 is the invested amount, while ₹64,91,520 is the estimated return generated during the period.
A retirement corpus is built through consistency, time and the return earned on investments. The SIP calculator helps understand the estimated journey of a fixed monthly investment under a given return assumption.
In this example, the ₹20,000 monthly SIP crosses the ₹1 crore mark over 15 years. The calculation is purely informational and based on the assumed annualised return of 12%.
Read More: SIP Calculator: How Long to Reach ₹1 Crore With a ₹20,000 SIP?
The SIP calculator shows that a ₹20,000 monthly SIP can grow into an estimated retirement corpus of ₹1,00,91,520 in 15 years at a 12% annualised return. The invested amount is ₹36,00,000, while the estimated return stands at ₹64,91,520. This example highlights how regular investing and compounding work together over time.
Disclaimer: This blog has been written exclusively for educational purposes. The securities or companies mentioned are only examples and not recommendations. This does not constitute a personal recommendation or 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.
Published on: May 4, 2026, 3:54 PM IST
Team Angel One
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