Scenario
₹5,000 monthly SIP for 20 years — illustrative maturity
Small SIP, long tenure—shows how time can matter more than starting large.
Illustrative result
Assumptions: ₹5,000/month · 12.00% p.a. · 20 years. Not a guarantee.
Total invested (flat)
₹12,00,000
Est. maturity (flat)
₹49,46,277
Wealth gained (flat)
₹37,46,277
Sensitivity check
Same scenario with alternate assumptions—use this to avoid anchoring on a single optimistic number.
| Assumption | Result |
|---|---|
| 8.00% p.a. | ₹29,45,102 |
| 10.00% p.a. | ₹37,96,844 |
| 12.00% p.a. | ₹49,46,277 |
How to read this
A smaller SIP sustained for two decades often beats an ambitious SIP that stops after a few years. Sustainability is a feature.
Contrast with ₹5,000 for 10 years on this site to see the tenure effect with the same monthly amount.
- 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/5000-sip-for-20-years · Aaru Wealth. Educational estimates only—not financial, tax or lending advice.