₹5,000 SIP vs ₹10,000 SIP: The Difference After 25 Years

SIP AmountTotal InvestedValue at 12%Returns Earned
₹5,000/month₹15 Lakhs₹94.9 Lakhs₹79.9 Lakhs
₹10,000/month₹30 Lakhs₹1.89 Crore₹1.59 Crore

The ₹10,000 investor put in ₹15 lakhs extra — but ended up with ₹95 lakhs more. That gap is pure compounding, the subject of The Power of Compounding.

Can’t afford ₹10,000? Start with ₹5,000 today

A 1-year delay in starting costs you the most valuable compounding years. Start at ₹5,000 and increase by 10% every year when you get a raise — a Step-Up SIP. Use our SIP Calculator on the Finance Tools page to see your exact projected wealth. Decide your amount first: invest based on salary. Then start: what is a SIP.

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