How much will ₹5,000 SIP grow in 10 years?
A ₹5,000 monthly SIP at 12% annual return grows to approximately ₹11.6 lakhs in 10 years (₹6 lakhs invested, ₹5.6 lakhs in returns). With a 10% annual step-up, the same SIP grows to approximately ₹17.4 lakhs — a 50% increase in final corpus just by incrementally increasing your SIP each year.
What is a step-up SIP and why does it matter?
A step-up SIP automatically increases your monthly investment by a fixed percentage every year. As your income grows, so does your investment — without you having to remember to change it. Even a modest 10% annual step-up can nearly double your final corpus over 15–20 years compared to a flat SIP.
How to track SIP returns accurately?
This calculator shows projected returns based on assumed rates. For your actual SIP performance, you need XIRR — which accounts for every real cash flow date. Import your CAS statement into Arthavi to get automatic per-fund XIRR.
Frequently Asked Questions
How much will ₹5,000 SIP grow in 10 years?
At 12% annual return, ₹5,000/month SIP grows to ₹11.6 lakhs in 10 years. With 10% step-up, it reaches ₹17.4 lakhs.
What is step-up SIP?
A step-up SIP increases your monthly amount by a fixed percentage each year, accelerating wealth creation as your income grows.
What is a good SIP return in India?
Large-cap equity funds deliver 10–13% XIRR, mid-cap 13–18%, small-cap 15–22% over 5+ years. Debt funds return 6–8%.
How to track actual SIP returns?
Use XIRR, not absolute returns. Import your CAS into Arthavi for automatic fund-level XIRR calculation.