Positive impactStocks
15-15-15 rule: How can a ₹15,000 monthly SIP potentially grow to ₹1 crore? Check the complete calculations
Mint 1 hr ago·25 Oct 2026, 2:45 am
The 15‑15‑15 rule illustrates how a systematic investment plan (SIP) of ₹15,000 per month, kept for 15 years, can potentially accumulate close to ₹1 crore if the portfolio earns an average annualised return of about 15 %. The calculation relies on the power of compounding, where each year’s earnings are reinvested to generate further gains.
For retail investors, the example highlights two key ideas: regular, disciplined investing can build a sizable corpus over time, and the assumed return rate dramatically influences the final amount. Because market returns fluctuate, the 15 % figure is a best‑case scenario rather than a guarantee, and investors should be aware of the inherent volatility and risk in equity‑linked funds.
Going forward, investors should track the actual performance of their SIP against the assumed return, revisit the investment horizon if life circumstances change, and stay alert to macro‑economic factors such as interest‑rate shifts or policy changes that could affect equity markets.
Key takeaways
- Category: Stocks.
- AI reads the tone as positive (potentially bullish) for the stock.
Why it matters
A routine update. The tone is positive — historically associated with upward pressure, though not predictive. Use the price and stock snapshot to gauge how the market is responding.
