How much SIP is needed to reach ₹25 lakh in 5 years?
To reach ₹25 lakh in 5 years at 12% a year, invest about ₹30,825 a month. You put in ₹18.49 L and growth supplies ₹6.51 L.
- Monthly SIP needed
- ₹30,825 (good)
- For 5 years at 12% a year
- Money you put in
- ₹18.49 L
- 74% of the goal
- Growth
- ₹6.51 L (good)
- 26% of the goal
- Goal in today's money
- ₹18.68 L
- At 6% inflation
- Year-1 SIP if it rises 10% a year
- ₹25,795
- Ends at ₹37,766 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₹18.49 L · 74%
- Growth₹6.51 L · 26%
Show the numbers
| Part | Value | Share |
|---|---|---|
| Your money | ₹18.49 L | 74% |
| Growth | ₹6.51 L | 26% |
Your path to the goal
- Your money
- Growth
Show the numbers
| Year | Your money | Growth | Total |
|---|---|---|---|
| 0 | ₹0 | ₹0 | ₹0 |
| 1 | ₹3.7 L | ₹23,627 | ₹3.94 L |
| 2 | ₹7.4 L | ₹94,477 | ₹8.34 L |
| 3 | ₹11.1 L | ₹2.18 L | ₹13.28 L |
| 4 | ₹14.8 L | ₹4.01 L | ₹18.81 L |
| 5 | ₹18.49 L | ₹6.51 L | ₹25 L |
SIP for ₹25 lakh in 5 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% | ₹34,053 | ₹28,301 | ₹20.43 L | 18% |
| 10% | ₹32,395 | ₹27,017 | ₹19.44 L | 22% |
| 12% | ₹30,825 | ₹25,795 | ₹18.49 L | 26% |
| 14% | ₹29,337 | ₹24,632 | ₹17.6 L | 30% |
Year by year: ₹30,825 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 | ₹3.7 L | ₹3.94 L | ₹23,627 | 6% |
| 2 | ₹7.4 L | ₹8.34 L | ₹94,477 | 11% |
| 3 | ₹11.1 L | ₹13.28 L | ₹2.18 L | 16% |
| 4 | ₹14.8 L | ₹18.81 L | ₹4.01 L | 21% |
| 5 | ₹18.49 L | ₹25 L | ₹6.51 L | 26% |
Questions about this scenario
How much SIP is needed to reach ₹25 lakh in 5 years?
About ₹30,825 a month at 12% a year. You invest ₹18.49 L in total and growth adds ₹6.51 L. At 10% the SIP rises to ₹32,395, and at 8% it is ₹34,053, so the return you assume changes the answer a lot.
Can I reach ₹25 lakh in 5 years with a SIP that rises every year?
Yes. A SIP that rises 10% a year can start at ₹25,795 a month rather than ₹30,825 and reaches the same ₹25 lakh at 12%. By year 5 you would be investing ₹37,766 a month, so it suits people whose income grows.
What does ₹25 lakh in 5 years mean in today's money?
With 6% yearly inflation, ₹25 lakh received after 5 years buys what ₹18.68 L buys today. To end up with ₹25 lakh of today's buying power you need ₹33.46 L in future rupees, which needs a SIP of about ₹41,250 a month.
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What the numbers say about ₹25 lakh in 5 years
Of the ₹25 L, you contribute ₹18.49 L (74%) and compounding at 12% supplies ₹6.51 L (26%). Every rupee you put in ends up as about 1.35 rupees at the finish.
With a 5-year horizon, your own contributions stay larger than the growth throughout: at the end ₹18.49 L is yours and ₹6.51 L is growth. A short period leaves compounding little time to work, so the monthly amount does most of the lifting.
The final year adds about ₹2.49 L of growth on its own, 10% of the goal. Waiting one year to start means building the same ₹25 lakh in 4 years, which lifts the SIP from ₹30,825 to ₹40,973 (33% more); waiting three years takes it to ₹92,370.
If your pay rises, a SIP that increases 10% a year can start at ₹25,795 instead and finish at ₹37,766 a month in year 5. Should ₹25 lakh mean what it buys today, the figure must first grow by 6% a year to ₹33.46 L, and the SIP becomes ₹41,250. In today's rupees the ₹25 lakh you will actually receive is worth ₹18.68 L.
The calculation assumes a steady 12% every year. At 8% you would need ₹34,053 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.