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:
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₹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:
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Fund Type: Large Cap Fund
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Monthly Investment: ₹15,000
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Investment Period: 5 Years
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Expected Annualized Return: 12%
Now, calculating the returns of this fund using a SIP calculator, the woman will get the following results:
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Total Investment: ₹9,00,000
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Estimated Value at Maturity: ₹12.2 lakhs
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Wealth Gained: ₹3.17 lakhs
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₹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:
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Fund Type: Mid Cap Fund
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Monthly Investment: ₹15,000
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Investment Period: 5 Years
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Expected Annualized Return: 15%
Calculating the returns of this fund using an SIP calculator will give the following results:
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Total Investment: ₹9,00,000
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Estimated Value at Maturity: ₹13.1 lakhs
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Wealth Gained: ₹4.1 lakhs
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₹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:
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Fund Type: Small Cap Fund
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Monthly Investment: ₹15,000
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Investment Period: 5 Years
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Expected Annualized Return: 18%
Calculating the returns of this fund using a SIP calculator will give the following results:
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Total Investment: ₹9,00,000
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Estimated Value at Maturity: ₹14.1 lakhs
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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:
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Maturity increases with higher returns.
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Returns are not guaranteed and depend on the mutual fund's performance.
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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
Monthly Investment
₹22.4 L
Top Funds with High Returns (Past 7 Years)
18.4%
High Growth Fund
17.46%
Top 200 Fund
14.57%
Accelerator Mid-Cap Fund II
14.81%
Opportunities Fund
10.58%
Growth Plus Fund
13.35%
Accelerator Fund
14.61%
Growth Opportunities Plus Fund
15.6%
Multiplier
11.48%
Equity Top 250 Fund
13.31%
Future Apex Fund
12.32%
Opportunities Fund
14.24%
Frontline Equity Fund
15.03%
Virtue II
10.88%
Pension Dynamic Equity Fund
11.8%
Equity Fund
10.32%
Blue-Chip Equity Fund
Benefits of Investing in SIP Today
The key benefits of investing regularly in a SIP are as follows:
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Affordable Investment: Start with as low as ₹500 per month, making it accessible for everyone.
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Disciplined Approach: Encourages regular savings and builds financial discipline over time.
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Power of Compounding: Reinvested returns help grow your wealth exponentially over the long term.
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Rupee Cost Averaging: Mitigates market volatility by purchasing units at different price levels.
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Flexibility: Choose your investment amount, frequency, and tenure as per your financial goals.
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Diversification: Invests across various asset classes, reducing overall risk.
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Professional Management: Managed by experienced fund managers for optimal returns.
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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 |
| Max Life |
27.23% |
21.07% |
|
| Tata AIA |
30.99% |
21.69% |
|
| Bajaj Allianz |
24.23% |
12.8% |
|
| HDFC Standard |
25.77% |
14.87% |
|
| Canara HSBC Oriental Bank |
17.51% |
10.29% |
|
| Bharti AXA |
23.03% |
15.02% |
|
| Birla Sun Life |
26.67% |
14.18% |
|
| ICICI Prudential |
22.68% |
13.38% |
|
| LIC |
- |
- |
|
| PNB Metlife |
24% |
16.86% |
|
Fund rating powered by
Last updated: May 2025
| |
Returns |
| Fund Name |
3 Years |
5 Years |
10 Years |
| QUANT |
23.92% |
31.48% |
|
| PARAG PARIKH |
20.69% |
26.41% |
|
| EDELWEISS |
22.34% |
24.29% |
|
| KOTAK |
24.64% |
25.01% |
|
| MIRAE ASSET |
19.74% |
24.32% |
|
| PGIM INDIA |
14.75% |
23.39% |
|
| DSP |
18.41% |
22.33% |
|
| CANARA ROBECO |
20.05% |
21.80% |
|
| SUNDARAM |
18.27% |
18.22% |
|
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.
