15000 SIP for 5 Years

A ₹15,000 SIP for 5 years is a smart way to build wealth. By investing regularly, you can benefit from compounding and market growth over time. SIP with a 5-year horizon is best to fulfil your medium-term goals, like buying a car, funding education, or starting a business. Based on expected returns (8-12% annually), your investment could grow significantly.

Read more

SIP Plan Benefits
Start SIP with as low as ₹1000
Start SIP with as low as ₹1000
No hidden charges
No hidden charges
Save upto ₹46,800 in Tax
Save upto ₹46,800 in Taxunder section 80C^
Zero LTCG Tax
Zero LTCG Tax
Disciplined & worry-free investing
Disciplined & worry-free investing

Examples of ₹15000 SIP for 5 Years

Following are the examples of how a SIP of ₹15,000 per month for 5 years would grow in large-cap, mid-cap, and small-cap funds using a SIP calculator:

  1. ₹15000 SIP for 5 Years in Large-Cap Fund

    Case 1: A woman invests ₹15,000 per month in a large-cap fund for 5 years to save for her child’s school education. The wealth gained will be as follows:

    • Fund Type: Large Cap Fund

    • Monthly Investment: ₹15,000

    • Investment Period: 5 Years

    • Expected Annualized Return: 12%

    Now, calculating the returns of this fund using a SIP calculator, the woman will get the following results:

    • Total Investment: ₹9,00,000

    • Estimated Value at Maturity: ₹12.2 lakhs

    • Wealth Gained: ₹3.17 lakhs

  2. ₹15000 SIP for 5 Years in Mid-Cap Fund

    Case 2: An engineer invests ₹15,000 every month in a mid-cap fund for 5 years to save for buying a second home. Their maturity amount will be as follows:

    • Fund Type: Mid Cap Fund

    • Monthly Investment: ₹15,000

    • Investment Period: 5 Years

    • Expected Annualized Return: 15%

    Calculating the returns of this fund using an SIP calculator will give the following results:

    • Total Investment: ₹9,00,000

    • Estimated Value at Maturity: ₹13.1 lakhs

    • Wealth Gained: ₹4.1 lakhs

  3. ₹15000 SIP for 5 Years in Small-Cap Fund

    Case 3: An IT professional invests ₹15,000 monthly in a small-cap fund for 5 years to buy their favourite car. They can get the following amount after maturity:

    • Fund Type: Small Cap Fund

    • Monthly Investment: ₹15,000

    • Investment Period: 5 Years

    • Expected Annualized Return: 18%

    Calculating the returns of this fund using a SIP calculator will give the following results:

    • Total Investment: ₹9,00,000

    • Estimated Value at Maturity: ₹14.1 lakhs

    • Wealth Gained: ₹5.1 lakhs

    Returns from ₹15000 SIP for 5 Years: Calculation Table

    Fund Type Monthly SIP (₹) Investment Duration Total Investment (₹) Expected Annual Return (%) Maturity Amount (₹) Wealth Gained
    Large Cap Fund ₹15,000  5 Years 9,00,000 12% p.a. ₹12.2 lakhs ₹3.17 lakhs
    Mid Cap Fund ₹15,000 5 Years 9,00,000 15% p.a. ₹13.1 lakhs ₹4.1 lakhs
    Small Cap Fund ₹15,000 5 Years 9,00,000 18% p.a. ₹14.1 lakhs ₹5.1 lakhs

NOTES:

  • Maturity increases with higher returns.

  • Returns are not guaranteed and depend on the mutual fund's performance.

  • Small-cap funds offer high growth potential but carry high risk, mid-cap funds provide a balance of risk and return, while large-cap funds offer stable returns but are less risky. 

SIP Calculator

I want to invest Pro Tip
Financial experts suggest that a person should invest 10-15% of their monthly income for long-term financial growth
/Month
I want to invest for Pro Tip
Financial experts suggest that individuals should ideally invest for a period of 5 to 10 years, or even longer, to maximize the benefits of compounding and navigate market fluctuations effectively
Years
  • 1
  • 2
  • 3
  • 4
  • 6
  • 7
  • 8
  • 9
  • 11
  • 12
  • 13
  • 14
  • 16
  • 17
  • 18
  • 19
  • 21
  • 22
  • 23
  • 24
  • 26
  • 27
  • 28
  • 29
  • 31
  • 32
  • 33
  • 34
  • 36
  • 37
  • 38
  • 39
  • 40
Expected return Pro Tip
Top 25% of investors consistently generate more than 12% return
% Annually
  • 1
  • 2
  • 3
  • 4
  • 6
  • 7
  • 8
  • 9
  • 11
  • 12
  • 13
  • 14
  • 16
  • 17
  • 18
  • 19
  • 21
  • 22
  • 23
  • 24
  • 26
  • 27
  • 28
  • 30
Total Wealth ₹22.4 L
View Plans
I want to save
I want to invest for Pro Tip
Financial experts suggest that individuals should ideally invest for a period of 5 to 10 years, or even longer, to maximize the benefits of compounding and navigate market fluctuations effectively
Years
  • 1
  • 2
  • 3
  • 4
  • 6
  • 7
  • 8
  • 9
  • 11
  • 12
  • 13
  • 14
  • 16
  • 17
  • 18
  • 19
  • 21
  • 22
  • 23
  • 24
  • 26
  • 27
  • 28
  • 29
  • 31
  • 32
  • 33
  • 34
  • 36
  • 37
  • 38
  • 39
  • 40
Expected return Pro Tip
Top 25% of investors consistently generate more than 12% return
% Annually
  • 1
  • 2
  • 3
  • 4
  • 6
  • 7
  • 8
  • 9
  • 11
  • 12
  • 13
  • 14
  • 16
  • 17
  • 18
  • 19
  • 21
  • 22
  • 23
  • 24
  • 26
  • 27
  • 28
  • 30
Monthly Investment ₹22.4 L
View Plans
Top Funds with High Returns (Past 7 Years)
High Growth Fund
17.8%
High Growth Fund
India Consumption Fund
19.94%
India Consumption Fund
Accelerator Mid-Cap Fund II
14.47%
Accelerator Mid-Cap Fund II
Global Equity Index Funds Strategy
15.24%
Global Equity Index Funds Strategy
Pension India Consumption Fund
15.5%
Pension India Consumption Fund
Multiplier
15.28%
Multiplier
Virtue II
14.95%
Virtue II
Equity II Fund
10.59%
Equity II Fund
Accelerator Fund
13.73%
Accelerator Fund
Pension Dynamic Equity Fund
11.25%
Pension Dynamic Equity Fund
Frontline Equity Fund
14.13%
Frontline Equity Fund
Equity Pension
12.28%
Equity Pension
Equity Top 250 Fund
11.24%
Equity Top 250 Fund
Growth Opportunities Plus Fund
14.41%
Growth Opportunities Plus Fund
Future Apex Fund
13.43%
Future Apex Fund
US Equity Fund
13.87%
US Equity Fund

Buying the Dip Results in Higher ReturnsBuying the Dip Results in Higher Returns

Payment Mode
Invest
₹ 10,000
Invest for
AUM (Cr)

₹10,580

NAV

112.77

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 28.6 21.1 17.8 %

Instant tax receipt
AUM (Cr)

₹2,620

NAV

70.89

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 21.23 16.32 15.16 %

Instant tax receipt
AUM (Cr)

₹3,256

NAV

69.95

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 20.71 16.42 14.95 %

Instant tax receipt
AUM (Cr)

₹5,482

NAV

79.2

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 20.44 13.1 14.47 %

Instant tax receipt
AUM (Cr)

₹35,798

NAV

74.91

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 21.61 15.05 14.3 %

Instant tax receipt
AUM (Cr)

₹426

NAV

67.79

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 18.05 13.95 14.17 %

Instant tax receipt
AUM (Cr)

₹4,333

NAV

68.23

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 21.1 15.28 14.13 %

Instant tax receipt
AUM (Cr)

₹3,508

NAV

40.94

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 18.13 13.51 13.82 %

Instant tax receipt
AUM (Cr)

₹232

NAV

49.19

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 20.33 15.22 13.73 %

Instant tax receipt
AUM (Cr)

₹7,258

NAV

152.28

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 17.4 13.46 13.65 %

Instant tax receipt
AUM (Cr)

₹2,620

NAV

70.89

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 21.23 16.32 15.16 %

AUM (Cr)

₹3,256

NAV

69.95

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 20.71 16.42 14.95 %

AUM (Cr)

₹426

NAV

67.79

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 18.05 13.95 14.17 %

AUM (Cr)

₹4,333

NAV

68.23

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 21.1 15.28 14.13 %

AUM (Cr)

₹3,508

NAV

40.94

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 18.13 13.51 13.82 %

AUM (Cr)

₹232

NAV

49.19

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 20.33 15.22 13.73 %

AUM (Cr)

₹7,258

NAV

152.28

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 17.4 13.46 13.65 %

AUM (Cr)

₹104

NAV

55.48

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 21.1 15.06 13.43 %

AUM (Cr)

₹2,880

NAV

67.68

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 16.69 13.19 13.18 %

AUM (Cr)

₹12,728

NAV

80.26

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 17.39 12.91 12.81 %

AUM (Cr)

₹10,580

NAV

112.77

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 28.6 21.1 17.8 %

AUM (Cr)

₹5,482

NAV

79.2

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 20.44 13.1 14.47 %

AUM (Cr)

₹35,798

NAV

74.91

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 21.61 15.05 14.3 %

AUM (Cr)

₹2,228

NAV

61.76

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 27.14 21.74 19.94 %

AUM (Cr)

₹6

NAV

10.21

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 20.5 15.5 %

AUM (Cr)

₹1,006

NAV

71.93

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 20.01 14.72 14.41 %

AUM (Cr)

₹13,281

NAV

68.63

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 19.24 14.04 13.21 %

AUM (Cr)

₹1,093

NAV

52.97

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 19.53 13.21 12.34 %

AUM (Cr)

₹522

NAV

56.62

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 17.06 12.33 11.24 %

AUM (Cr)

₹265

NAV

27.93

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 10.18 10.75 10.8 %

AUM (Cr)

₹819

NAV

40.79

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 6.19 7.95 7.69 %

AUM (Cr)

₹485

NAV

38.4

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 5.93 8.02 7.49 %

AUM (Cr)

₹150

NAV

34.87

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 5.67 7.53 7.3 %

AUM (Cr)

₹74

NAV

41.05

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 5.73 7.44 7.2 %

AUM (Cr)

₹120

NAV

29.58

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 6.13 7.15 7.18 %

AUM (Cr)

₹191

NAV

47.11

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 5.15 7.39 7.1 %

AUM (Cr)

₹90

NAV

38.89

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 5.66 7.48 7.02 %

AUM (Cr)

₹18,821

NAV

49.87

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 5.68 7.34 7.01 %

AUM (Cr)

₹7,343

NAV

32.27

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 5.24 7.1 7 %

AUM (Cr)

₹877

NAV

96.9

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 19.94 16.24 15.22 %

AUM (Cr)

₹353

NAV

47.78

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 13.7 11.31 10.6 %

AUM (Cr)

₹485

NAV

102.69

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 11.34 10.23 10.06 %

AUM (Cr)

₹65

NAV

59.96

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 11.13 9.91 10.05 %

AUM (Cr)

₹5,491

NAV

39.5

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 12.8 10.17 10.01 %

AUM (Cr)

₹22,132

NAV

72.35

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 11.42 10.06 9.92 %

AUM (Cr)

₹279

NAV

31.2

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 12.55 9.73 9.78 %

AUM (Cr)

₹7,482

NAV

109.17

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 12.09 10.18 9.77 %

AUM (Cr)

₹820

NAV

39

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 12.67 10.27 9.77 %

AUM (Cr)

₹1,939

NAV

43.16

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 13.15 9.91 9.6 %

AUM (Cr)

₹1,312

NAV

81.24

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 19.75 14.27 14.02 %

AUM (Cr)

₹7,258

NAV

155.48

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 18.38 13.9 13.89 %

AUM (Cr)

₹2,880

NAV

69.5

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 17.71 13.67 13.49 %

View More

Benefits of Investing in SIP Today

The key benefits of investing regularly in a SIP are as follows:

  • Affordable Investment: Start with as low as ₹500 per month, making it accessible for everyone.

  • Disciplined Approach: Encourages regular savings and builds financial discipline over time.

  • Power of Compounding: Reinvested returns help grow your wealth exponentially over the long term.

  • Rupee Cost Averaging: Mitigates market volatility by purchasing units at different price levels.

  • Flexibility: Choose your investment amount, frequency, and tenure as per your financial goals.

  • Diversification: Invests across various asset classes, reducing overall risk.

  • Professional Management: Managed by experienced fund managers for optimal returns.

  • Tax Benefits: A Linked Insurance Plan (ULIP), Child Plans, and ELSS funds under SIP provide tax deductions up to ₹1.5 lakh under Section 80C.

  • Insurance Companies
  • Mutual Funds
Returns
Fund Name 5 Years 7 Years 10 Years
High Growth Fund Axis Max Life
Rating
28.6% 21.1%
17.8%
View Plan
India Consumption Fund Tata AIA Life
Rating
27.14% 21.74%
19.94%
View Plan
Accelerator Mid-Cap Fund II Bajaj Allianz
Rating
20.44% 13.1%
14.47%
View Plan
Opportunities Fund HDFC Life
Rating
21.61% 15.05%
14.3%
View Plan
Pension India Consumption Fund ICICI Prudential Life
Rating
20.5% -
15.5%
View Plan
Multiplier Birla Sun Life
Rating
22.52% 15.25%
15.28%
View Plan
Virtue II PNB MetLife
Rating
20.71% 16.42%
14.95%
View Plan
Equity II Fund Canara HSBC Life
Rating
17.15% 10.81%
10.59%
View Plan
Balanced Fund LIC India
Rating
10.9% -
-
View Plan
Equity Fund SBI Life
Rating
17.39% 12.32%
11.76%
View Plan
Fund rating powered by
Last updated: Aug 2025
Compare more funds

  Returns
Fund Name 3 Years 5 Years 10 Years
Active Fund QUANT 23.92% 31.48%
21.87%
Flexi Cap Fund PARAG PARIKH 20.69% 26.41%
19.28%
Large and Mid-Cap Fund EDELWEISS 22.34% 24.29%
17.94%
Equity Opportunities Fund KOTAK 24.64% 25.01%
19.45%
Large and Midcap Fund MIRAE ASSET 19.74% 24.32%
22.50%
Flexi Cap Fund PGIM INDIA 14.75% 23.39%
-
Flexi Cap Fund DSP 18.41% 22.33%
16.91%
Emerging Equities Fund CANARA ROBECO 20.05% 21.80%
15.92%
Focused fund SUNDARAM 18.27% 18.22%
16.55%

Last updated: August 2025

Compare more funds

Conclusion

Investing ₹15,000 monthly in SIPs for 5 years can help you achieve financial goals like buying a house or funding higher education. You can use online tools like SIP Calculator, XIRR Calculator, and CAGR Calculator to estimate returns and choose funds aligned with your risk tolerance.

FAQs

  • What is a ₹15,000 SIP for 5 years?

    A ₹15,000 SIP for 5 years is a regular investment of ₹15,000 each month in a mutual fund for 5 years. It helps you grow your wealth through market growth and compounding.
  • What returns can I expect from a ₹15,000 SIP for 5 years?

    A ₹15,000 SIP for 5 years can offer returns of 8-18% annually, depending on the type of mutual fund you choose, such as large-cap, mid-cap, or small-cap funds.
  • What are the tax benefits of a ₹15,000 SIP for 5 years?

    If you invest in a Unit Linked Insurance Plan (ULIP) or in ELSS (Equity Linked Savings Scheme) under a ₹15,000 SIP for 5 years, you can claim a tax deduction of up to ₹1.5 lakh under Section 80C. You can also avail tax-free maturity amount under Section 10(10D) for SIP in ULIP Plans.
  • Can I start a SIP for 5 years with less than ₹15,000?

    Yes, you can start with as little as ₹500 per month. The ₹15,000 is just an example of a larger investment.
  • How flexible is a ₹15,000 SIP for 5 years?

    A ₹15,000 SIP for 5 years is flexible. You can adjust your monthly investment, change the duration, or choose different funds based on your financial goals.

SIP Hub

˜Top plans are based on annualized premium, for bookings made through https://www.policybazaar.com in FY 25. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. This list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. For a complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website, www.irdai.gov.in
Disclaimer:#The investment risk in the portfolio is borne by the policyholder. Life insurance is available in this product. The maturity amount of Rs 1 Cr. is for a 30 year old healthy individual investing Rs 10,000/- per month for 30 years, with assumed rates of returns @ 8% p.a. that is not guaranteed and is not the upper or lower limits as the value of your policy depends on a number of factors including future investment performance. In Unit Linked Insurance Plans, the investment risk in the investment portfolio is borne by the policyholder and the returns are not guaranteed. Maturity Value: ₹1,05,02,174 @ CAGR 8%; ₹50,45,591 @ CAGR 4%. All SIPs listed here are of insurance companies’ funds. The tax benefits under Section 80C allow a deduction of up to ₹1.5 lakhs from the taxable income per year and 10(10D) tax benefits are for investments made up to ₹2.5 Lakhs/ year for policies bought after 1 Feb 2021. Tax benefits and savings are subject to changes in tax laws.
*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply
^The tax benefits under Section 80C allow a deduction of up to ₹1.5 lakhs from the taxable income per year and 10(10D) tax benefits are for investments made up to ₹2.5 Lakhs/ year for policies bought after 1 Feb 2021. Tax benefits and savings are subject to changes in tax laws.
¶Long-term capital gains (LTCG) tax (12.5%) is exempted on annual premiums up to 2.5 lacs.
++Source - Google Review Rating available on:- http://bit.ly/3J20bXZ
^^The information relating to mutual funds presented in this article is for educational purpose only and is not meant for sale. Investment is subject to market risks and the risk is borne by the investor. Please consult your financial advisor before planning your investments.
**Returns are based on past 10 years’ fund performance data (Fund Data Source: Value Research).

SIP plans articles

Recent Articles
Popular Articles
SIP Plan for 5 Years

20 Aug 2025

Systematic Investment Plans (SIPs) are one of the most efficient
Read more
HDFC SIP प्लान्स

13 Aug 2025

HDFC SIP (सिस्टमैटिक
Read more
Perpetual SIP

01 Aug 2025

Wealth creation is a result of long-term investing. In a
Read more
Difference Between SIP and Mutual Fund

22 Jul 2025

For new investors, the terms SIP and mutual fund often create
Read more
Star Union Dai-ichi SIP Plan

15 Jul 2025

Star Union Dai-ichi Life Insurance Co. Ltd. (SUD Life) offers a
Read more
SIP Calculator
  • 10 Apr 2018
  • 1067924
An SIP is a disciplined way to invest in mutual funds. It involves contributing a fixed amount regularly
Read more
SIP Investment Plans - SIP Funds to Invest in India
  • 01 Feb 2017
  • 1119010
A Systematic Investment Plan (SIP) is a smart and convenient way to invest in mutual funds. It allows you to
Read more
Best SIP Plans
  • 14 Feb 2020
  • 291114
Best SIP Plans to Invest in India in 2025 Systematic Investment Plans (SIPs) have become a popular investment
Read more
SBI SWP
  • 07 Apr 2025
  • 9377
SBI SWP, or Systematic Withdrawal Plan, is a popular investment option offered by SBI Mutual Fund. An SBI SWP
Read more
SIP Plan for 5 Years
  • 20 Aug 2025
  • 5466
Systematic Investment Plans (SIPs) are one of the most efficient and disciplined ways to invest in mutual funds
Read more

Invest ₹10K/Month & Get ₹1 Crore# Tax-Free*
*under 10(10D)
Claude
top
Close
Download the Policybazaar app
to manage all your insurance needs.
INSTALL