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 Investment
- 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:
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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:
- 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
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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:
- 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
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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:
- 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
| 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.
Best Mutual Funds to Invest ₹15000 SIP for 5 Years
| Fund Name | AUM | Return 3 Years | Return 5 Years | Return 10 Years | Minimum Investment | Return Since Launch |
|---|---|---|---|---|---|---|
| SBI PSU Fund-Growth | ₹6,703.16 Crs | 18.56% | 21.88% | 12.85% | ₹5,000 | 7.76% |
| ICICI Prudential BHARAT 22 FOF-Growth | ₹2,743.19 Crs | 14.73% | 20.26% | N/A | ₹5,000 | 15.63% |
| ICICI Prudential Infrastructure Fund-Growth | ₹8,558.09 Crs | 17.35% | 20.39% | 16.86% | ₹5,000 | 15.3% |
| Motilal Oswal Midcap Fund Regular-Growth | ₹42,851.59 Crs | 18.62% | 19.84% | 16.07% | ₹500 | 20.45% |
| Aditya Birla Sun Life PSU Equity Fund Regular-Growth | ₹6,072.56 Crs | 17.68% | 21.28% | N/A | ₹500 | 20.71% |
| Franklin India Opportunities Fund Regular-Growth | ₹9,717.42 Crs | 20.68% | 17.2% | 15.73% | ₹5,000 | 13.17% |
| HDFC Infrastructure Fund Regular-Growth | ₹2,324.63 Crs | 14.12% | 18.34% | 10.7% | ₹100 | 8.67% |
| Franklin Build India Fund Regular-Growth | ₹3,151.71 Crs | 15.7% | 16.96% | 15.58% | ₹5,000 | 16.75% |
| ICICI Prudential India Opportunities Fund-Growth | ₹38,338.43 Crs | 12.86% | 15.91% | N/A | ₹5,000 | 17.97% |
| Nippon India Power & Infra Fund-Growth | ₹8,136.78 Crs | 18.43% | 19.8% | 16.89% | ₹5,000 | 17.65% |
Details of the Best SIP Plans to Invest ₹15000 per Month for 5 Years
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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 AUM ₹6,703.16 Crs Expense Ratio 1.94% Return 5 Years 21.88% Minimum Investment SIP ₹1000 & Lumpsum ₹5,000 Risk Level Principal at very high risk Launch Date 7th July, 2010 Asset Allocation Equity: 97.84%, Debt: 0.07%, Others: 2.09% Top Sectors - Industrials
- Energy & Utilities
- Financial
- Materials
Top Holdings - State Bank of India
- Power Grid Corporation of India Ltd
- GAIL (India) Ltd
- Bharat Electronics Ltd
- NTPC Ltd
- Oil & Natural Gas Corporation Ltd
- Bharat Petroleum Corporation Ltd
- Bank Of Baroda
- Repo
- Bharat Heavy Electricals Ltd
Fund Managers NA Fund Type Open-ended -
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 AUM ₹2,743.19 Crs Expense Ratio 0.13% Return 5 Years 20.26% Minimum Investment SIP ₹1000 & Lumpsum ₹5,000 Risk Level Principal at very high risk Launch Date 29th June, 2018 Asset Allocation Equity: 99.84%, Others: 0.16% 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 -
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 AUM ₹8,558.09 Crs Expense Ratio 1.91% Return 5 Years 20.39% Minimum Investment SIP ₹1000 & Lumpsum ₹5,000 Risk Level Principal at very high risk Launch Date 31st August, 2005 Asset Allocation Equity: 96.6%, Debt: 0.51%, Others: 2.28% Top Sectors - Consumer Discretionary
- Industrials
- Energy & Utilities
- Financial
- Materials
- Real Estate
- Technology
Top Holdings - Larsen & Toubro Ltd
- Interglobe Aviation Ltd
- Repo
- Oberoi Realty Ltd
- NTPC Ltd
- Reliance Industries Ltd
- Gujarat Gas Ltd
- Adani Ports and Special Economic Zone Ltd
- Vedanta Ltd
- NCC Ltd
Fund Managers - Ihab Dalwai
- Sharmila D'Silva
Fund Type Open-ended -
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 AUM ₹42,851.59 Crs Expense Ratio 1.63% Return 5 Years 19.84% Minimum Investment SIP ₹1000 & Lumpsum ₹500 Risk Level Principal at very high risk Launch Date 24th February, 2014 Asset Allocation Equity: 96.38%, Others: 3.62% 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
- One 97 Communications Ltd
- Kalyan Jewellers India Ltd
- Trent Ltd
- NIFTY 26000 Put Feb26
Fund Managers - Ajay Khandelwal
- Niket Shah
- Rakesh Shetty
- Sunil Sawant
Fund Type Open-ended -
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 AUM ₹6,072.56 Crs Expense Ratio 1.88% Return 5 Years 21.28% Minimum Investment SIP ₹1000 & Lumpsum ₹500 Risk Level Principal at very high risk Launch Date 30th December, 2019 Asset Allocation Equity: 98.15%, Others: 1.85% Top Sectors - Industrials
- Energy & Utilities
- Financial
- Materials
- Unspecified
Top Holdings - State Bank of India
- NTPC Ltd
- Power Grid Corporation of India Ltd
- Bharat Heavy Electricals Ltd
- GAIL (India) Ltd
- Bharat Electronics Ltd
- Oil & Natural Gas Corporation Ltd
- Bank of Maharashtra
- Bharat Petroleum Corporation Ltd
- Bank Of Baroda
Fund Managers - Dhaval Gala
- Dhaval Joshi
Fund Type Open-ended -
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 AUM ₹9,717.42 Crs Expense Ratio 2.08% Return 5 Years 17.2% Minimum Investment SIP ₹1000 & Lumpsum ₹5,000 Risk Level Principal at very high risk Launch Date 21st February, 2000 Asset Allocation Equity: 89.27%, Debt: 0.51%, Others: 10.22% Top Sectors - Consumer Discretionary
- Industrials
- Consumer Staples
- Energy & Utilities
- Real Estate
- Financial
- Healthcare
- Materials
- Technology
Top Holdings - Cash/Net Current Assets
- Hindustan Aeronautics Ltd
- Axis Bank Ltd
- State Bank of India
- HDFC Bank Ltd
- Reliance Industries Ltd
- NTPC Ltd
- TBO Tek Ltd.
- Oil & Natural Gas Corporation Ltd
- Amphenol Corp Forgn. Eq (APH)
Fund Managers - R Janakiraman
- Sandeep Manam
- Kiran Sebastian
Fund Type Open-ended -
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 AUM ₹2,324.63 Crs Expense Ratio 2.2% Return 5 Years 18.34% Minimum Investment SIP ₹1000 & Lumpsum ₹100 Risk Level Principal at very high risk Launch Date 10th March, 2008 Asset Allocation Equity: 97.29%, Others: 0.74% Top Sectors - Consumer Discretionary
- Industrials
- Energy & Utilities
- Financial
- Healthcare
- Materials
- Technology
Top Holdings - Repo
- ICICI Bank Ltd
- Larsen & Toubro Ltd
- HDFC Bank Ltd
- Interglobe Aviation Ltd
- Kalpataru Power Transmission Ltd
- NTPC Ltd
- J Kumar Infraprojects Ltd
- State Bank of India
- Reliance Industries Ltd
Fund Managers - Srinivasan Ramamurthy
- Dhruv Muchhal
Fund Type Open-ended -
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 AUM ₹3,151.71 Crs Expense Ratio 2.1% Return 5 Years 16.96% Minimum Investment SIP ₹1000 & Lumpsum ₹5,000 Risk Level Principal at very high risk Launch Date 4th September, 2009 Asset Allocation Equity: 94.53%, Others: 5.47% Top Sectors - Financial
- Materials
- Real Estate
- Technology
- Consumer Discretionary
- Industrials
- Energy & Utilities
Top Holdings - Larsen & Toubro Ltd
- Interglobe Aviation Ltd
- Oil & Natural Gas Corporation Ltd
- Reliance Industries Ltd
- ICICI Bank Ltd
- NTPC Ltd
- Cash/Net Current Assets
- HDFC Bank Ltd
- Bharti Airtel Ltd
- Axis Bank Ltd
Fund Managers - Ajay Argal
- Sandeep Manam
- Kiran Sebastian
Fund Type Open-ended -
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 AUM ₹38,338.43 Crs Expense Ratio 1.74% Return 5 Years 15.91% Minimum Investment SIP ₹1000 & Lumpsum ₹5,000 Risk Level Principal at very high risk Launch Date 15th January, 2019 Asset Allocation Equity: 96.51%, Debt: 0.69%, Others: 2.79% Top Sectors - Consumer Discretionary
- Industrials
- Consumer Staples
- Energy & Utilities
- Financial
- Healthcare
- Materials
- Technology
Top Holdings - HDFC Bank Ltd
- Infosys Ltd
- Axis Bank Ltd
- Repo
- ICICI Bank Ltd
- Sun Pharmaceutical Industries Ltd
- Reliance Industries Ltd
- Larsen & Toubro Ltd
- State Bank of India
- Life Insurance Corporation of India
Fund Managers - Divya Jain
- Sankaran Naren
- Roshan Chutkey
- Sharmila D'Silva
Fund Type Open-ended -
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 AUM ₹8,136.78 Crs Expense Ratio 1.95% Return 5 Years 19.8% Minimum Investment SIP ₹1000 & Lumpsum ₹5,000 Risk Level Principal at very high risk Launch Date 8th May, 2004 Asset Allocation Equity: 98.51%, Debt: 0.01%, Others: 1.48% Top Sectors - Financial
- Consumer Discretionary
- Industrials
- Diversified
- Energy & Utilities
- Healthcare
- Materials
- Real Estate
- Technology
Top Holdings - Reliance Industries Ltd
- NTPC Ltd
- Larsen & Toubro Ltd
- Bharti Airtel Ltd
- Tata Power Company Ltd
- NTPC Green Energy Ltd.
- Bharat Heavy Electricals Ltd
- CG Power & Industrial Solutions Ltd
- Ultratech Cement Ltd
- Triveni Turbine Ltd
Fund Managers NA Fund Type Open-ended
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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.
