₹25,000 SIP at 12%: ₹90 Lakh Grows to ₹8.75 Crore in 30 Years

A ₹25,000 monthly Systematic Investment Plan (SIP) earning a 12% annualised return would produce a corpus of roughly ₹8.75 crore after 30 years, according to a calculation published by Live Mint. The same contribution over 10 years yields about ₹58 lakh, and over 20 years about ₹2.5 crore. The total investment over 30 years stands at ₹90 lakh.

More than 70% of the eventual corpus is generated in the final decade. Between the 20th and 30th year, the investor adds ₹30 lakh but the portfolio grows by ₹6.2 crore. That acceleration reflects the compounding of returns on earlier gains.

The calculation assumes a 12% annual return compounded monthly. Mutual funds carry market risk, and actual returns will differ. The analysis does not adjust for inflation or taxes.

No investment advice is offered here. The numbers are purely illustrative, taken from the Live Mint example.