Scenario
₹10,000 monthly SIP for 20 years — illustrative maturity
Long-horizon illustration for a ₹10,000 SIP over 20 years with clear invested-vs-gains framing.
Illustrative result
Assumptions: ₹10,000/month · 12.00% p.a. · 20 years. Not a guarantee.
Total invested (flat)
₹24,00,000
Est. maturity (flat)
₹98,92,554
Wealth gained (flat)
₹74,92,554
Sensitivity check
Same scenario with alternate assumptions—use this to avoid anchoring on a single optimistic number.
| Assumption | Result |
|---|---|
| 8.00% p.a. | ₹58,90,204 |
| 10.00% p.a. | ₹75,93,688 |
| 12.00% p.a. | ₹98,92,554 |
How to read this
Over 20 years, compounding and contribution totals both dominate. Small annual step-ups can change the ending corpus more than obsessing over a 0.5% return tweak.
Open Step-Up SIP with a 10% annual increase to compare against a flat ₹10,000 plan.
- Confirm the assumptions match your cash flow and time horizon.
- Stress-test a more conservative rate, tenure or FOIR in the table above.
- Open the live calculator and save or share your customised case.
FAQ
- Are these maturity numbers guaranteed?
- No. They assume a constant annual return you choose. Real market-linked returns vary year to year.
- What should I change first?
- Start with a SIP you can sustain, then stress-test return and tenure. Prefer consistency over optimistic rate assumptions.
Related guides
Related scenarios
Scenario path /sip/10000-sip-for-20-years · Aaru Wealth. Educational estimates only—not financial, tax or lending advice.