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.

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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
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Expected return Pro Tip
Top 25% of investors consistently generate more than 12% return
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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
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Expected return Pro Tip
Top 25% of investors consistently generate more than 12% return
% Annually
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Monthly Investment ₹22.4 L
View Plans
Top Funds with High Returns (Past 7 Years)
High Growth Fund
18.6%
High Growth Fund
Top 200 Fund
18.2%
Top 200 Fund
Accelerator Mid-Cap Fund II
13.48%
Accelerator Mid-Cap Fund II
Opportunities Fund
13.41%
Opportunities Fund
Equity II Fund
9.52%
Equity II Fund
Pension Enhanced Equity
12.55%
Pension Enhanced Equity
Growth Opportunities Plus Fund
13.49%
Growth Opportunities Plus Fund
Multiplier
14.35%
Multiplier
Equity Top 250 Fund
10.5%
Equity Top 250 Fund
Future Apex Fund
12.37%
Future Apex Fund
Opportunities Fund
11.61%
Opportunities Fund
Frontline Equity Fund
13.11%
Frontline Equity Fund
Virtue II
13.95%
Virtue II
Pension Dynamic Equity Fund
10.18%
Pension Dynamic Equity Fund
Top 300 Fund
11.42%
Top 300 Fund
Blue-Chip Equity Fund
9.38%
Blue-Chip Equity Fund

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

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

₹10,632

NAV

112.32

Estimated Value

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

+ 32.5 21.1 18.6 %

Instant tax receipt
AUM (Cr)

₹2,780

NAV

71

Estimated Value

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

+ 21.36 15.54 14.11 %

Instant tax receipt
AUM (Cr)

₹3,375

NAV

67.92

Estimated Value

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

+ 20.4 15.81 13.95 %

Instant tax receipt
AUM (Cr)

₹5,888

NAV

79.62

Estimated Value

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

+ 20.77 12.18 13.48 %

Instant tax receipt
AUM (Cr)

₹38,561

NAV

75.09

Estimated Value

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

+ 22.35 14.28 13.41 %

Instant tax receipt
AUM (Cr)

₹3,683

NAV

40.32

Estimated Value

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

+ 17.55 12.7 13.26 %

Instant tax receipt
AUM (Cr)

₹4,489

NAV

66.91

Estimated Value

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

+ 20.48 14.2 13.11 %

Instant tax receipt
AUM (Cr)

₹454

NAV

66.66

Estimated Value

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

+ 17.39 12.97 13.01 %

Instant tax receipt
AUM (Cr)

₹7,420

NAV

149.58

Estimated Value

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

+ 17.11 13.07 12.55 %

Instant tax receipt
AUM (Cr)

₹242

NAV

48.44

Estimated Value

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

+ 19.98 14.47 12.52 %

Instant tax receipt
AUM (Cr)

₹2,780

NAV

71

Estimated Value

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

+ 21.36 15.54 14.11 %

AUM (Cr)

₹3,375

NAV

67.92

Estimated Value

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

+ 20.4 15.81 13.95 %

AUM (Cr)

₹3,683

NAV

40.32

Estimated Value

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

+ 17.55 12.7 13.26 %

AUM (Cr)

₹4,489

NAV

66.91

Estimated Value

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

+ 20.48 14.2 13.11 %

AUM (Cr)

₹454

NAV

66.66

Estimated Value

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

+ 17.39 12.97 13.01 %

AUM (Cr)

₹7,420

NAV

149.58

Estimated Value

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

+ 17.11 13.07 12.55 %

AUM (Cr)

₹242

NAV

48.44

Estimated Value

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

+ 19.98 14.47 12.52 %

AUM (Cr)

₹105

NAV

54.63

Estimated Value

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

+ 20.41 14.06 12.37 %

AUM (Cr)

₹2,995

NAV

66.57

Estimated Value

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

+ 16.66 12.56 12.09 %

AUM (Cr)

₹13,662

NAV

80.07

Estimated Value

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

+ 16.87 12.33 11.78 %

AUM (Cr)

₹10,632

NAV

112.32

Estimated Value

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

+ 32.5 21.1 18.6 %

AUM (Cr)

₹5,888

NAV

79.62

Estimated Value

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

+ 20.77 12.18 13.48 %

AUM (Cr)

₹38,561

NAV

75.09

Estimated Value

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

+ 22.35 14.28 13.41 %

AUM (Cr)

₹2,469

NAV

176.98

Estimated Value

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

+ 30.5 21 18.2 %

AUM (Cr)

₹1,025

NAV

72.11

Estimated Value

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

+ 19.82 14.05 13.49 %

AUM (Cr)

₹13,991

NAV

67.18

Estimated Value

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

+ 18.56 12.86 12.05 %

AUM (Cr)

₹3,493

NAV

57.91

Estimated Value

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

+ 19.9 12.78 11.61 %

AUM (Cr)

₹1,193

NAV

52.02

Estimated Value

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

+ 18.67 12.19 11.31 %

AUM (Cr)

₹557

NAV

56.25

Estimated Value

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

+ 16.83 11.21 10.5 %

AUM (Cr)

₹219

NAV

93.94

Estimated Value

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

+ 7.82 8.21 8.31 %

AUM (Cr)

₹849

NAV

40.65

Estimated Value

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

+ 6.03 7.9 7.81 %

AUM (Cr)

₹503

NAV

38.43

Estimated Value

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

+ 5.83 7.94 7.64 %

AUM (Cr)

₹140

NAV

34.83

Estimated Value

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

+ 5.52 7.49 7.45 %

AUM (Cr)

₹225

NAV

57.67

Estimated Value

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

+ 7 7.72 7.41 %

AUM (Cr)

₹74

NAV

40.78

Estimated Value

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

+ 5.42 7.27 7.28 %

AUM (Cr)

₹204

NAV

47.14

Estimated Value

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

+ 4.93 7.34 7.28 %

AUM (Cr)

₹130

NAV

29.33

Estimated Value

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

+ 6 7.02 7.2 %

AUM (Cr)

₹7,730

NAV

32.29

Estimated Value

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

+ 5.16 7.07 7.16 %

AUM (Cr)

₹19,549

NAV

49.74

Estimated Value

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

+ 5.54 7.24 7.15 %

AUM (Cr)

₹912

NAV

96.55

Estimated Value

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

+ 20.06 15.5 14.62 %

AUM (Cr)

₹370

NAV

47.24

Estimated Value

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

+ 13.18 10.67 10.1 %

AUM (Cr)

₹65

NAV

59.39

Estimated Value

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

+ 10.61 9.39 9.63 %

AUM (Cr)

₹503

NAV

101.9

Estimated Value

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

+ 11.14 9.71 9.59 %

AUM (Cr)

₹23,173

NAV

71.74

Estimated Value

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

+ 11 9.55 9.48 %

AUM (Cr)

₹5,869

NAV

39.21

Estimated Value

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

+ 12.39 9.56 9.35 %

AUM (Cr)

₹863

NAV

38.67

Estimated Value

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

+ 12.24 9.73 9.31 %

AUM (Cr)

₹297

NAV

30.86

Estimated Value

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

+ 12.07 9.16 9.21 %

AUM (Cr)

₹7,962

NAV

109.04

Estimated Value

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

+ 11.84 9.88 9.2 %

AUM (Cr)

₹2,027

NAV

42.67

Estimated Value

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

+ 12.65 9.32 9.04 %

AUM (Cr)

₹1,317

NAV

80.47

Estimated Value

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

+ 20.2 14.11 13.2 %

AUM (Cr)

₹7,420

NAV

155.28

Estimated Value

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

+ 18.9 14.23 13.13 %

AUM (Cr)

₹2,995

NAV

70.94

Estimated Value

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

+ 19.38 14.27 12.78 %

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
32.5% 21.1%
18.6%
View Plan
Top 200 Fund Tata AIA Life
Rating
30.5% 21%
18.2%
View Plan
Accelerator Mid-Cap Fund II Bajaj Allianz
Rating
20.77% 12.18%
13.48%
View Plan
Opportunities Fund HDFC Life
Rating
22.35% 14.28%
13.41%
View Plan
Equity II Fund Canara HSBC Life
Rating
16.54% 9.58%
9.52%
View Plan
Grow Money Plus Fund Bharti AXA
Rating
17.39% 12.97%
13.01%
View Plan
Multiplier Birla Sun Life
Rating
22.67% 13.96%
14.35%
View Plan
Opportunities Fund ICICI Prudential Life
Rating
19.9% 12.78%
11.61%
View Plan
Balanced Fund LIC India
Rating
10.4% -
-
View Plan
Virtue II PNB MetLife
Rating
20.4% 15.81%
13.95%
View Plan
Fund rating powered by
Last updated: Jul 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: June 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 5 plans based on annualized premium, for bookings made in the first 6 months of FY 24-25. 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).

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