How much corpus does a ₹10,000 monthly SIP build over 15 years at 12% CAGR?
Scenario
Rohit, age 30, software professional in Pune, ₹12 lakh annual income, ₹50K monthly expenses, exploring this question for his financial plan
Inputs
- Years
- 15
- Inflation %
- 6
- Monthly sip INR
- 10000
- Expected return %
- 12
Calculation
- 1.
Total invested over tenure
₹10,000 × 180 months → ₹18.00 L
- 2.
SIP future-value factor at given rate and tenure
[((1+r/12)^n − 1)/(r/12)] × (1+r/12) → 504.58x
- 3.
Final corpus
₹10,000 × 504.58 factor → ₹50.46 L
- 4.
Wealth multiple on contributions
₹50,45,760 ÷ ₹18,00,000 → 2.8x
Conclusion
₹10,000 SIP over 15 years builds approximately ₹0.50 crore — roughly 3× the principal invested through 12% compounding.
Tradeoffs
Assumes 12% steady CAGR; real Indian equity returns vary year-to-year. With 6% inflation, ₹0.50Cr in 15 years has purchasing power of roughly ₹0.21Cr in today's money. Step-up SIP (10% annual) typically adds 25-40% to terminal corpus.