See how ₹20,000 monthly SIP grows across Equity, Debt, Hybrid, ELSS, and Index mutual funds.
| Year | Invested | Returns | Total Value |
|---|
Compare how ₹20,000/month SIP grows across different mutual fund categories.
| Category | Expected Return | Future Value | Wealth Gained | Period |
|---|---|---|---|---|
| Equity | 14% | ₹52,41,828 | ₹28,41,828 | 10 years |
| Debt | 7% | ₹14,40,211 | ₹2,40,211 | 5 years |
| Hybrid | 11% | ₹25,36,943 | ₹8,56,943 | 7 years |
| ELSS | 14% | ₹52,41,828 | ₹28,41,828 | 10 years |
| Index | 12% | ₹46,46,782 | ₹22,46,782 | 10 years |
At 12% annual return, ₹20,000/month SIP for 10 years grows to approximately ₹46,46,782. Your total investment would be ₹24,00,000 with wealth gained of ₹22,46,782.
For long-term goals (7+ years), equity funds offer the highest growth potential. For medium-term (3-5 years), hybrid funds provide balanced risk-return. For short-term (1-3 years), debt funds offer stability. Use the calculator above to compare.
Yes, most mutual funds allow SIP starting from ₹500/month. ₹20,000/month is a great amount for building long-term wealth. You can invest in equity, debt, hybrid, or ELSS funds.
With ₹20,000/month SIP at 12%, you invest ₹24,00,000 over 10 years but receive ₹46,46,782 — that's ₹22,46,782 created by compounding alone! Over 20 years, the effect is even more dramatic.
Yes! If you start with ₹20,000/month and increase by 10% annually, your corpus after 10 years at 12% would be significantly higher than a flat SIP. Step-up SIP aligns with your growing income.