15000 SIP for 5 Years

Examples of ₹15000 SIP for 5 Years

The 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 Annualised 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 Annualised 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 Annualised 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

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. 

Best Mutual Funds to Invest ₹15000 SIP for 5 Years 

Details of the Best SIP Plans to Invest ₹15000 per Month for 5 Years

1. SBI PSU Fund-Growth

   This fund aims to grow your money over the long term by investing in shares of Public Sector Undertakings (PSUs). It also puts some money in PSU debt and money-market instruments for stability.

   Parameters	Details
   Fund Name	SBI PSU Fund-Growth
   NAV	₹ 32.69 (as on 31st March, 2026)
   AUM	₹6,545.08 Crs
   Expense Ratio	1.86%
   Return 5 Years	25.33%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹5,000
   Risk Level	Principal at very high risk
   Launch Date	7th July, 2010
   Asset Allocation	Equity: 95.84%, Debt: 0.07%, Others: 4.09%
   Top Sectors	Industrials Energy & Utilities Financial Materials
   Top Holdings	State Bank of India Bharat Electronics Ltd NTPC Ltd Power Grid Corporation of India Ltd GAIL (India) Ltd Bharat Petroleum Corporation Ltd Bank Of Baroda Repo NMDC Ltd Indian Bank
   Fund Managers	NA
   Fund Type	Open-ended

2. ICICI Prudential BHARAT 22 FOF - Growth

   This fund tries to create long-term wealth by investing mainly in the BHARAT 22 ETF. The ETF holds shares of top PSU and public sector companies listed in India.

   Parameters	Details
   Fund Name	ICICI Prudential BHARAT 22 FOF - Growth
   NAV	₹ 33.30 (as on 31st March, 2026)
   AUM	₹2,794.87 Crs
   Expense Ratio	0.13%
   Return 5 Years	25.52%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹5,000
   Risk Level	Principal at very high risk
   Launch Date	29th June, 2018
   Asset Allocation	Equity: 99.16%, Others: 0.84%
   Top Sectors	Industrials Consumer Staples Energy & Utilities Financial Materials
   Top Holdings	BHARAT 22 ETF Regular - Growth Repo Net Payables
   Fund Managers	Ashwini Shinde Ajay Kumar Solanki Kayzad Eghlim Nishit Patel
   Fund Type	Open-ended

3. ICICI Prudential Infrastructure Fund-Growth

   This fund focuses on long-term growth by investing in shares of companies that work in India’s infrastructure sector, such as construction, utilities, and transport.

   Parameters	Details
   Fund Name	ICICI Prudential Infrastructure Fund-Growth
   NAV	₹ 175.88 (as on 31st March, 2026)
   AUM	₹8,097.89 Crs
   Expense Ratio	1.86%
   Return 5 Years	23.55%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹5,000
   Risk Level	Principal at very high risk
   Launch Date	31st August, 2005
   Asset Allocation	Equity: 92.02%, Debt: 1.12%, Others: 6.25%
   Top Sectors	Consumer Discretionary Industrials Energy & Utilities Financial Materials Real Estate Technology
   Top Holdings	Larsen & Toubro Ltd Interglobe Aviation Ltd Repo NTPC Ltd Adani Ports and Special Economic Zone Ltd Oberoi Realty Ltd Vedanta Ltd Reliance Industries Ltd NCC Ltd AIA Engineering Ltd
   Fund Managers	Ihab Dalwai Sharmila D'Silva
   Fund Type	Open-ended

4. Motilal Oswal Midcap Fund Regular-Growth

   This fund aims for long-term growth by investing in mid-sized companies. It follows a bottom-up approach and picks quality businesses with strong growth potential.

   Parameters	Details
   Fund Name	Motilal Oswal Midcap Fund Regular-Growth
   NAV	₹ 80.70 (as on 31st March, 2026)
   AUM	₹33,689.20 Crs
   Expense Ratio	1.6%
   Return 5 Years	19.95%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹500
   Risk Level	Principal at very high risk
   Launch Date	24th February, 2014
   Asset Allocation	Equity: 97.89%, Others: 2.11%
   Top Sectors	Real Estate Materials Consumer Discretionary Industrials Financial Healthcare Technology
   Top Holdings	Others CBLO Reverse Repo/CBLO Dixon Technologies (India) Ltd Persistent Systems Ltd Coforge Ltd Zomato Ltd Kalyan Jewellers India Ltd One 97 Communications Ltd Trent Ltd NIFTY 26000 Put Feb26
   Fund Managers	Ajay Khandelwal Niket Shah Rakesh Shetty Sunil Sawant
   Fund Type	Open-ended

5. Aditya Birla Sun Life PSU Equity Fund Regular-Growth

   This fund looks to grow your money by investing mostly in shares of companies involved in PSU activities.

   Parameters	Details
   Fund Name	Aditya Birla Sun Life PSU Equity Fund Regular-Growth
   NAV	₹ 32.97 (as on 31st March, 2026)
   AUM	₹6,085.65 Crs
   Expense Ratio	1.85%
   Return 5 Years	24.13%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹500
   Risk Level	Principal at very high risk
   Launch Date	30th December, 2019
   Asset Allocation	Equity: 98.68%, Others: 1.32%
   Top Sectors	Industrials Energy & Utilities Financial Materials Unspecified
   Top Holdings	State Bank of India NTPC Ltd Power Grid Corporation of India Ltd GAIL (India) Ltd Bharat Electronics Ltd Oil & Natural Gas Corporation Ltd Bharat Petroleum Corporation Ltd Bank Of Baroda Bharat Heavy Electricals Ltd Bank of India
   Fund Managers	Dhaval Gala Dhaval Joshi
   Fund Type	Open-ended

   
   
   

6. Franklin India Opportunities Fund Regular-Growth

   This fund tries to create long-term wealth by investing in a wide range of companies across different sectors that show strong growth opportunities.

   Parameters	Details
   Fund Name	Franklin India Opportunities Fund Regular-Growth
   NAV	₹ 223.16 (as on 31st March, 2026)
   AUM	₹8,428.48 Crs
   Expense Ratio	1.78%
   Return 5 Years	17.57%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹5,000
   Risk Level	Principal at very high risk
   Launch Date	21st February, 2000
   Asset Allocation	Equity: 97.97%, Debt: 0.29%, Others: 1.73%
   Top Sectors	Consumer Discretionary Industrials Consumer Staples Energy & Utilities Real Estate Financial Healthcare Materials Technology
   Top Holdings	Cash/Net Current Assets Axis Bank Ltd State Bank of India HDFC Bank Ltd Reliance Industries Ltd Oil & Natural Gas Corporation Ltd Zomato Ltd Amphenol Corp Forgn. Eq (APH) NTPC Ltd Maruti Suzuki India Ltd
   Fund Managers	R Janakiraman Sandeep Manam Kiran Sebastian
   Fund Type	Open-ended

7. HDFC Infrastructure Fund Regular-Growth

   This fund invests in a mix of companies that operate in the infrastructure sector. Its goal is to help your money grow over the long term.

   Parameters	Details
   Fund Name	HDFC Infrastructure Fund Regular-Growth
   NAV	₹ 41.91 (as on 31st March, 2026)
   AUM	₹2,417.41 Crs
   Expense Ratio	2.11%
   Return 5 Years	21.54%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹100
   Risk Level	Principal at very high risk
   Launch Date	10th March, 2008
   Asset Allocation	Equity: 95.36%, Others: 2.07%
   Top Sectors	Consumer Discretionary Industrials Energy & Utilities Financial Healthcare Materials Technology
   Top Holdings	Repo ICICI Bank Ltd Larsen & Toubro Ltd HDFC Bank Ltd Kalpataru Power Transmission Ltd J Kumar Infraprojects Ltd Interglobe Aviation Ltd State Bank of India NTPC Ltd Reliance Industries Ltd
   Fund Managers	Srinivasan Ramamurthy Dhruv Muchhal
   Fund Type	Open-ended

8. Franklin Build India Fund Regular-Growth

   This fund aims for long-term growth by investing in companies that benefit from India’s rising infrastructure and construction development.

   Parameters	Details
   Fund Name	Franklin Build India Fund Regular-Growth
   NAV	₹ 132.62 (as on 31st March, 2026)
   AUM	₹3,173.61 Crs
   Expense Ratio	2%
   Return 5 Years	21.6%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹5,000
   Risk Level	Principal at very high risk
   Launch Date	4th September, 2009
   Asset Allocation	Equity: 96.56%, Others: 3.44%
   Top Sectors	Financial Materials Real Estate Technology Consumer Discretionary Industrials Energy & Utilities
   Top Holdings	Larsen & Toubro Ltd Interglobe Aviation Ltd Reliance Industries Ltd Oil & Natural Gas Corporation Ltd ICICI Bank Ltd NTPC Ltd HDFC Bank Ltd Bharti Airtel Ltd Axis Bank Ltd Cash/Net Current Assets
   Fund Managers	Ajay Argal Sandeep Manam Kiran Sebastian
   Fund Type	Open-ended

9. ICICI Prudential India Opportunities Fund - Growth

   This fund aims to grow money over the long term by investing in companies that are expected to benefit from new and rising opportunities in the Indian economy.

   Parameters	Details
   Fund Name	ICICI Prudential India Opportunities Fund - Growth
   NAV	₹ 33.33 (as on 31st March, 2026)
   AUM	₹35,665.82 Crs
   Expense Ratio	1.58%
   Return 5 Years	20.6%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹5,000
   Risk Level	Principal at very high risk
   Launch Date	15th January, 2019
   Asset Allocation	Equity: 91.97%, Debt: 0.97%, Others: 7.06%
   Top Sectors	Consumer Discretionary Industrials Consumer Staples Energy & Utilities Financial Healthcare Materials Technology
   Top Holdings	Infosys Ltd Axis Bank Ltd Repo ICICI Bank Ltd HDFC Bank Ltd Sun Pharmaceutical Industries Ltd Reliance Industries Ltd Larsen & Toubro Ltd State Bank of India NTPC Ltd
   Fund Managers	Divya Jain Sankaran Naren Roshan Chutkey Sharmila D'Silva
   Fund Type	Open-ended

10. Nippon India Power & Infra Fund-Growth

    This fund plans to grow your wealth over time by investing mainly in companies in the power and infrastructure sectors.

    Parameters	Details
    Fund Name	Nippon India Power & Infra Fund-Growth
    NAV	₹ 323.85 (as on 31st March, 2026)
    AUM	₹7,127.91 Crs
    Expense Ratio	1.86%
    Return 5 Years	21.78%
    Minimum Investment	SIP ₹1000 & Lumpsum ₹5,000
    Risk Level	Principal at very high risk
    Launch Date	8th May, 2004
    Asset Allocation	Equity: 99.23%, Debt: 0.01%, Others: 0.76%
    Top Sectors	Financial Consumer Discretionary Industrials Diversified Energy & Utilities Healthcare Materials Real Estate Technology
    Top Holdings	Reliance Industries Ltd NTPC Ltd Bharti Airtel Ltd Larsen & Toubro Ltd Tata Power Company Ltd CG Power & Industrial Solutions Ltd Bharat Heavy Electricals Ltd Ultratech Cement Ltd NTPC Green Energy Ltd. Kaynes Technology India Ltd
    Fund Managers	NA
    Fund Type	Open-ended

SIP Calculator

I know my investment amount I know my goal amount

Monthly SIP Yearly SIP Lumpsum

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

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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 ₹1.03 Cr

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

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Monthly Investment ₹22.4 L

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Top Funds with High Returns (Past 7 Years)

11.7%

Equity Pension

13.64%

Opportunities Fund

17.59%

High Growth Fund

11.84%

Opportunities Fund

22%

Multi Cap Fund

13.22%

Accelerator Mid-Cap Fund II

14.74%

Multiplier

13.3%

Frontline Equity Fund

14.23%

Virtue II

9.73%

Equity II Fund

10.16%

Gift Global Opportunity Maximizer Fund

14.1%

Growth Opportunities Plus Fund

10.69%

Equity Top 250 Fund

12.39%

Future Apex Fund

10.56%

Pension Dynamic Equity Fund

12.93%

Accelerator Fund

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.

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, like how risk tolerance defines the best SIP investment strategy.