Realistic Growth Projections with SIPs

To understand the real potential of SIPs, let’s look at some numbers. Suppose you invest in an equity mutual fund that gives an average return of 12% annually over the long term. ₹5,000 per month for 20 years → Grows to approx. ₹49 lakhs ₹10,000 per month for 20 years → Grows to approx. ₹98 lakhs Now, if you extend the same investment to 25 years, the numbers are even more exciting: ₹5,000 per month for 25 years → Grows to approx. ₹95 lakhs ₹10,000 per month for 25 years → Grows to approx. ₹1.9 crore And if you stay invested for 30 years: ₹5,000 per month → Grows to approx. ₹1.7 crore ₹10,000 per month → Grows to approx. ₹3.4 crore This shows the incredible power of time + compounding + consistency. By starting early and staying disciplined, you can create a multi-crore corpus without the stress of large lump sum investments.