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Investing ₹3,500 per month in SIP can grow your corpus over ₹3.09 crore in the long term. We calculate how
Mint 1 hr ago·27 Oct 2026, 7:45 am
This analysis explores the potential growth of a Systematic Investment Plan (SIP) over a long investment horizon. The calculation assumes an investor commits a fixed amount of ₹3,500 per month for 30 years. To account for inflation and rising income, the monthly contribution is assumed to increase by 10% annually. The investment is projected to generate an annual return of 12%, compounded over the period.
For an investor starting at age 25, this disciplined approach could potentially accumulate a corpus exceeding ₹3.09 crore by the time they turn 55. The power of compounding is evident, as starting early allows the investment to grow significantly over time. However, the analysis highlights that delaying the start of the SIP has a substantial impact on the final amount. If the investor begins five years later, the total accumulation drops to approximately ₹1.49 crore.
The key takeaway for investors is the importance of starting early and maintaining consistency. Even small, regular investments can grow into a substantial sum over the long term. While market returns can fluctuate, the strategy of increasing the SIP amount over time helps mitigate the effects of inflation and builds a larger retirement fund. Investors should review their financial goals and consider adjusting their SIP amounts accordingly.
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