The ₹5,000 SIP — India's Most Popular Starting Point
₹5,000 per month is the single most common SIP amount among new investors in India. It's accessible, manageable, and high enough to see meaningful growth over time. Let's run the exact numbers across different return scenarios.
10-Year Outcomes at Different Return Rates
**Total Invested**: ₹5,000 × 120 months = **₹6,00,000**
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At a realistic 12% (historical average for diversified equity funds), ₹5,000/month doubles your invested capital in 10 years.
Year-by-Year Breakdown at 12%
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Notice how returns accelerate in the later years — compounding's famous "back-loaded" effect.
What Happens If You Extend to 15 or 20 Years?
The power of SIP grows dramatically with time:
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The jump from 15 to 20 years nearly doubles the final corpus while only adding ₹3,00,000 in investment. This is compounding at work.
₹5,000 SIP with 10% Annual Step-Up
If you increase your SIP by 10% every year (step-up SIP):
The step-up strategy is the single most impactful change you can make after starting a SIP.
Which Fund to Choose for ₹5,000 SIP?
For a 10-year horizon, consider:
Avoid sector funds or thematic funds for your primary SIP — the volatility is higher and long-term underperformance risk is significant.
The Opportunity Cost of Waiting
If you delay starting your ₹5,000 SIP by 2 years:
The best time to start was yesterday. The second best time is today.
Try our [SIP Calculator](/) to adjust these numbers for your own monthly investment amount and return expectations.