₹5,000/month SIP for 15 Years — Maturity Value & Returns 2026
A monthly SIP of ₹5,000 invested consistently for 15 years at an expected 12% annual return (after 0.5% expense ratio) grows into a corpus of approximately ₹23.83 L. Your total investment of ₹9.00 L generates a wealth gain of ₹14.83 L. Use the calculator below to adjust the return rate or time period.
Last updated: 20 May 2026, 11:00 AM IST
₹5,000/month SIP for 15 Years — Detailed Breakdown
Lakshmi works at a textile export firm in Tiruppur and invests ₹5,000/month towards her daughter's higher education. With the girl currently 3 years old, the 15-year horizon aligns perfectly with college admission. Over 180 instalments, ₹9.00 L grows to ₹23.83 L, generating ₹14.83 L in gains. Lakshmi's strategy includes a glide path: for the first 12 years, the entire SIP goes into a mid-cap index fund for aggressive growth. Starting year 13, she will switch new SIP instalments to a short-duration debt fund, and systematically transfer 20% of the equity corpus each quarter into debt. By year 15, roughly 60% of the corpus will be in low-volatility instruments, protecting the education fund from a market crash right when she needs it. This glide path approach is borrowed from target-date retirement funds used in the US — it is rarely discussed in Indian financial planning but is highly effective for goal-based investing.
Data Sources
- AMFI — Mutual Fund NAV Data (2026) — www.amfiindia.com
- SEBI — Expense Ratio Guidelines (2025) — www.sebi.gov.in
- RBI — Inflation Data (2026) — www.rbi.org.in
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Important: This calculator provides estimates based on the inputs and assumptions you provide. Results are mathematical projections, not financial advice or recommendations. Actual outcomes will vary based on market conditions, policy changes, individual circumstances, and factors not captured by this tool. Verify all figures independently and consult qualified professionals before making financial decisions.
Founding Partner, Tykhe Ventures · Founder, Kompella Technologies
Founding Partner at Tykhe Ventures ($20M AUM, early-stage investing) and Founder of Kompella Technologies, which provides fractional CTO/CPO services to funded startups. NISM XIX-C certified. Built RupayWise because the financial tools available in India were either oversimplified or designed to sell you a product — not help you decide.
Frequently Asked Questions
How do I plan a ₹5,000 SIP around my child's education goal?
With 15 years until college, invest aggressively (mid-cap or flexi-cap) for the first 12 years, then gradually shift to debt over years 13-15. ₹23.83 L could cover 2-3 years of engineering or MBA fees at a good private university, adjusted for education inflation of 8-10%.
What is a glide path strategy for SIP?
A glide path gradually reduces equity exposure as you approach your goal date. For a 15-year SIP: keep 100% equity for years 1-12, then shift 20% per quarter to debt from year 13 onward. This locks in gains and protects against a last-minute crash ruining your plan.
Should I consider education inflation when setting my SIP amount?
Absolutely. Education costs in India inflate at 8-10% annually — double the general CPI. A course costing ₹10 L today could cost ₹42 L in 15 years at 10% inflation. Plan your SIP for the inflated amount, not today's cost.
Mid-cap fund vs flexi-cap fund for 15-year SIP?
Mid-cap funds have outperformed flexi-cap by 2-3% CAGR over 15-year rolling periods, but with significantly higher drawdowns (up to 50-60% in severe crashes). For a dedicated education goal, flexi-cap provides a smoother ride while still capturing most of the growth.
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Disclaimer
This calculator provides estimates based on assumed return rates and does not guarantee actual investment returns. Mutual fund investments are subject to market risks. Past performance is not indicative of future results. The 12% return assumption is based on historical long-term equity fund averages and may not be achieved in practice. This is not investment advice — consult a SEBI-registered investment advisor for personalised recommendations. RupayWise is not a financial advisor or distributor.