₹20,000 SIP Calculator —
See What ₹20K Grows To

At 12% annual return, a ₹20,000/month SIP for 10 years produces a corpus of approximately ₹46.4 lakhs. You invest ₹24 lakhs in total, and the rest is pure compounding returns. The longer you hold, the more dramatically the returns outpace the invested amount.

Yes — easily. A ₹20,000/month SIP at 12% reaches ₹1 crore in approximately 18 years. With a 10% step-up, this falls to about 15 years.

For a ₹20,000/month SIP, consider: Large-cap index funds (Nifty 50 index funds) for low cost and market returns. Flexi-cap funds for professional active management across market caps. ELSS funds if you want Section 80C tax benefits (up to ₹1.5 lakhs/year qualifies). Mid-cap funds for higher growth potential with moderate risk. Most financial advisors recommend starting with a large-cap or flexi-cap fund for your core SIP and adding mid-cap exposure as your confidence and portfolio size grows.

Starting a SIP in India is straightforward: (1) Complete KYC (Aadhaar + PAN) on any mutual fund platform — takes 10 minutes. (2) Choose your platform: Zerodha Coin, Groww, MF Central (RTA direct), or direct AMC websites for zero commission. (3) Select your fund and set up SIP mandate with your bank. (4) The SIP amount gets auto-debited on your chosen date monthly. Most platforms allow starting SIPs with just Aadhaar-based e-KYC — no physical paperwork needed.

Research shows there is no statistically significant difference in returns between SIP dates in the long run. However, practically: aligning your SIP date shortly after your salary credit date ensures funds are available. Popular choices are the 1st, 5th, 10th, or 15th of the month. If you receive salary on the 1st, choose the 3rd or 5th for your SIP. If salary comes on the 25th, choose the 1st of the following month. Consistency matters far more than the specific date.