Mutual fund returns are market-linked — not guaranteed. Use 10–12% for equity funds.
What Can ₹2,000/Month SIP Give You?
SIP (Systematic Investment Plan) is the most accessible way to invest in mutual funds. ₹2,000/month is a good starting point for first-time investors. The power of compounding means starting early matters more than the amount.
At 12% annual returns (historical equity fund average), ₹2,000/month grows significantly over 15–20 years. Remember: mutual fund returns are market-linked — past performance doesn't guarantee future returns.
SIP Corpus Formula for ₹2,000/Month
Where P = ₹2,000, r = monthly return (12%÷12 = 1%), n = months.
10 years: ₹464,678 | 15 years: ₹1,009,151 | 20 years: ₹1,998,295
Example Calculation
Frequently Asked Questions
At 12% annual returns, ₹2,000/month SIP gives approximately ₹464,678 in 10 years. Total invested: ₹240,000. Returns generated: ₹224,678. Note: mutual fund returns are market-linked and not guaranteed.
At ₹2,000–3,000/month, SIP alone may not be sufficient for retirement — consider increasing as income grows. Review and step up SIP by 10% annually for better results.
Related Calculators
Disclaimer: Results are for informational and educational purposes only — not financial, tax, or legal advice. Tax slabs, rates (EPF, PPF, home loan), and rules shown are based on data available in 2025 and may change. Always verify with a qualified professional or official government sources before making financial decisions.