Is ₹72,000 SIP enough for 15 years?

A ₹72,000/month SIP for 15 years projects to roughly ₹3,63,29,472 at 12% annual return. For long-term goals, stepping up the SIP each year typically makes a much bigger difference than starting with a higher amount.

What return rate is assumed in this calculation?

We assume 12% per annum — a common long-term assumption for Indian equity mutual funds and index funds. Actual returns vary year-to-year. Use 10–12% as a conservative planning number.

Can a SIP lose money?

Yes — SIPs invest in market-linked instruments and can fall in value, especially in the short term. Over 7+ year horizons, Indian equity SIPs have historically recovered and grown.

Should I increase my SIP every year?

Almost always yes. Stepping up your SIP by even 5–10% each year — matched to your salary hike — dramatically outperforms a flat SIP without feeling pinched.

What if I extend the SIP beyond 15 years?

Time is the most powerful lever in compounding. Each additional year typically adds far more than the previous one because compounding works on a much larger base.

Is ₹72,000 SIP enough for 15 years?

It depends on your goal. A ₹72,000/month SIP for 15 years projects to roughly ₹3,63,29,472 at 12% annual return. For long-term goals like retirement or a child's education, increasing the SIP every year (step-up) typically makes a much bigger difference than starting with a higher amount.

What return rate is assumed in this calculation?

We assume 12% per annum — a common long-term assumption for Indian equity mutual funds and index funds. Actual returns vary year-to-year. Use 10–12% as a conservative planning number so you're not disappointed if markets underperform.

Can a SIP lose money?

Yes — SIPs invest in market-linked instruments and can fall in value, especially in the short term. Over 7+ year horizons, Indian equity SIPs have historically recovered and grown. SIPs reduce timing risk via rupee-cost averaging, but they do not eliminate market risk.

Should I increase my SIP every year?

Almost always yes. Stepping up your SIP by even 5–10% each year — matched to your salary hike — dramatically outperforms a flat SIP without feeling pinched. Most fund houses and apps support automatic step-up SIPs.

What if I extend the SIP beyond 15 years?

Time is the most powerful lever in compounding. Each additional year typically adds far more than the previous one because compounding works on a much larger base. Extending by even 5 years can meaningfully change the final corpus.

Open the full SIP calculator

Back

SIP scenario · India

SIP Calculator: ₹72,000/month for 15 years

If you invest ₹72,000/month for 15 years, you could build ₹3.6Cr — assuming a 12% annual return.

Projected future value

₹3,63,29,472

Total invested

₹1,29,60,000

Estimated gains

₹2,33,69,472

Start this investment plan

Start a ₹72,000/month SIP based on your plan.

Start SIP

Recommended: Angel One · Free to start · Takes 5 minutes

Growth over time

Invested vs Gains

Your money could grow 2.8× in 15 years

That's compounding doing its quiet work in the background — month after month.

In today's purchasing power

At ~6% inflation, ₹3,63,29,472 in 15 years is worth roughly ₹1,51,59,019 in today's money.

Year-by-year breakdown

How ₹72,000/month compounds at 12% annual return.

Year	Invested	Gains	Total value
0	₹0	₹0	₹0
1	₹8,64,000	₹58,272	₹9,22,272
2	₹17,28,000	₹2,33,510	₹19,61,510
3	₹25,92,000	₹5,40,551	₹31,32,551
4	₹34,56,000	₹9,96,108	₹44,52,108
5	₹43,20,000	₹16,19,018	₹59,39,018
6	₹51,84,000	₹24,30,506	₹76,14,506
7	₹60,48,000	₹34,54,488	₹95,02,488
8	₹69,12,000	₹47,17,913	₹1,16,29,913
9	₹77,76,000	₹62,51,148	₹1,40,27,148
10	₹86,40,000	₹80,88,413	₹1,67,28,413
11	₹95,04,000	₹1,02,68,267	₹1,97,72,267
12	₹1,03,68,000	₹1,28,34,157	₹2,32,02,157
13	₹1,12,32,000	₹1,58,35,042	₹2,70,67,042
14	₹1,20,96,000	₹1,93,26,093	₹3,14,22,093
15	₹1,29,60,000	₹2,33,69,472	₹3,63,29,472

How a ₹72,000 SIP grows over 15 years

By investing ₹72,000 every month for 15 years, you contribute a total of ₹1,29,60,000. Assuming an average return of 12% per year — typical for Indian equity mutual funds over long horizons — the corpus compounds to about ₹3,63,29,472. Roughly ₹2,33,69,472 of that is pure compounding gain.

The power of compounding

Compounding is when your returns start earning returns of their own. In a SIP, every monthly contribution gets its own runway to grow. The contributions you make in the first 5 years usually generate the most lifetime growth — simply because they have the longest time to compound.

Why long-term horizons matter

Most of the gain in a long SIP arrives in the final stretch. In a 15-year plan, the last 5 years often contribute more growth than the first 5 combined, because compounding works on a much larger base by then. Staying invested through market noise is what separates great outcomes from average ones.

Tip: increase your SIP every year

Even a 5–10% yearly step-up — matched to your salary hike — meaningfully outperforms a flat SIP. Try the full SIP calculator to see what step-up does to this scenario.

Adjust this scenario