How much SIP is needed to reach ₹25 lakh in 15 years?
To reach ₹25 lakh in 15 years at 12% a year, invest about ₹5,253 a month. You put in ₹9.46 L and growth supplies ₹15.54 L.
- Monthly SIP needed
- ₹5,253 (good)
- For 15 years at 12% a year
- Money you put in
- ₹9.46 L
- 38% of the goal
- Growth
- ₹15.54 L (good)
- 62% of the goal
- Goal in today's money
- ₹10.43 L
- At 6% inflation
- Year-1 SIP if it rises 10% a year
- ₹3,021
- Ends at ₹11,473 a month
Open the Goal SIP Calculator with these numbers filled in
The numbers in charts
Your money vs growth in reaching the goal
- Your money₹9.46 L · 37.8%
- Growth₹15.54 L · 62.2%
Show the numbers
| Part | Value | Share |
|---|---|---|
| Your money | ₹9.46 L | 37.8% |
| Growth | ₹15.54 L | 62.2% |
Your path to the goal
- Your money
- Growth
Show the numbers
| Year | Your money | Growth | Total |
|---|---|---|---|
| 0 | ₹0 | ₹0 | ₹0 |
| 1 | ₹63,034 | ₹4,026 | ₹67,061 |
| 2 | ₹1.26 L | ₹16,100 | ₹1.42 L |
| 3 | ₹1.89 L | ₹37,186 | ₹2.26 L |
| 4 | ₹2.52 L | ₹68,367 | ₹3.21 L |
| 5 | ₹3.15 L | ₹1.11 L | ₹4.26 L |
| 6 | ₹3.78 L | ₹1.66 L | ₹5.44 L |
| 7 | ₹4.41 L | ₹2.35 L | ₹6.77 L |
| 8 | ₹5.04 L | ₹3.21 L | ₹8.25 L |
| 9 | ₹5.67 L | ₹4.24 L | ₹9.91 L |
| 10 | ₹6.3 L | ₹5.46 L | ₹11.77 L |
| 11 | ₹6.93 L | ₹6.92 L | ₹13.85 L |
| 12 | ₹7.56 L | ₹8.62 L | ₹16.18 L |
| 13 | ₹8.19 L | ₹10.6 L | ₹18.8 L |
| 14 | ₹8.82 L | ₹12.9 L | ₹21.72 L |
| 15 | ₹9.46 L | ₹15.54 L | ₹25 L |
SIP for ₹25 lakh in 15 years at different returns
A higher return cuts the SIP you need, but it also raises the risk that the goal is missed; a rising SIP lowers the starting amount.
| Yearly return | Flat monthly SIP | Year-1 SIP, rising 10% a year | Total you invest (flat SIP) | Share that is growth |
|---|---|---|---|---|
| 8% | ₹7,358 | ₹3,975 | ₹13.24 L | 47% |
| 10% | ₹6,225 | ₹3,472 | ₹11.2 L | 55% |
| 12% | ₹5,253 | ₹3,021 | ₹9.46 L | 62% |
| 14% | ₹4,423 | ₹2,620 | ₹7.96 L | 68% |
Year by year: ₹5,253 a month towards ₹25 lakh
Watch the growth share climb: in the early years most of the balance is your own money, near the end most of it is growth.
| Year | You have put in | Value | Growth | Growth share |
|---|---|---|---|---|
| 1 | ₹63,034 | ₹67,061 | ₹4,026 | 6% |
| 2 | ₹1.26 L | ₹1.42 L | ₹16,100 | 11% |
| 3 | ₹1.89 L | ₹2.26 L | ₹37,186 | 16% |
| 4 | ₹2.52 L | ₹3.21 L | ₹68,367 | 21% |
| 5 | ₹3.15 L | ₹4.26 L | ₹1.11 L | 26% |
| 7 | ₹4.41 L | ₹6.77 L | ₹2.35 L | 35% |
| 10 | ₹6.3 L | ₹11.77 L | ₹5.46 L | 46% |
| 12 | ₹7.56 L | ₹16.18 L | ₹8.62 L | 53% |
| 15 | ₹9.46 L | ₹25 L | ₹15.54 L | 62% |
Questions about this scenario
How much SIP is needed to reach ₹25 lakh in 15 years?
About ₹5,253 a month at 12% a year. You invest ₹9.46 L in total and growth adds ₹15.54 L. At 10% the SIP rises to ₹6,225, and at 8% it is ₹7,358, so the return you assume changes the answer a lot.
Can I reach ₹25 lakh in 15 years with a SIP that rises every year?
Yes. A SIP that rises 10% a year can start at ₹3,021 a month rather than ₹5,253 and reaches the same ₹25 lakh at 12%. By year 15 you would be investing ₹11,473 a month, so it suits people whose income grows.
What does ₹25 lakh in 15 years mean in today's money?
With 6% yearly inflation, ₹25 lakh received after 15 years buys what ₹10.43 L buys today. To end up with ₹25 lakh of today's buying power you need ₹59.91 L in future rupees, which needs a SIP of about ₹12,589 a month.
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What the numbers say about ₹25 lakh in 15 years
Of the ₹25 L, you contribute ₹9.46 L (38%) and compounding at 12% supplies ₹15.54 L (62%). Every rupee you put in ends up as about 2.64 rupees at the finish.
Growth overtakes your own contributions in year 12, when the balance reaches ₹16.18 L against ₹7.56 L invested. At the halfway mark, year 7, you hold only ₹6.77 L, 27% of the goal, which is why the middle of a long SIP feels slow.
The final year adds about ₹2.65 L of growth on its own, 10.6% of the goal. Waiting one year to start means building the same ₹25 lakh in 14 years, which lifts the SIP from ₹5,253 to ₹6,045 (15% more); waiting three years takes it to ₹8,114.
If your pay rises, a SIP that increases 10% a year can start at ₹3,021 instead and finish at ₹11,473 a month in year 15. Should ₹25 lakh mean what it buys today, the figure must first grow by 6% a year to ₹59.91 L, and the SIP becomes ₹12,589. In today's rupees the ₹25 lakh you will actually receive is worth ₹10.43 L.
The calculation assumes a steady 12% every year. At 8% you would need ₹7,358 a month instead, and equity returns are far from steady, so many people aim a little above the figure or add a safety margin as the date approaches.