Preset to ₹25,000/month. Slide duration and return to model any scenario.
₹25,000 SIP — Common Questions
How much will ₹25,000 SIP give in 10 years?+
At 12% annual return, ₹25,000/month SIP for 10 years gives approximately ₹57.5 lakhs. You invest ₹30 lakhs (₹25,000 × 120 months) and earn about ₹27.5 lakhs in returns — a 91% absolute return. At 15% return, the corpus grows to approximately ₹68.7 lakhs.
How much will ₹25,000 SIP give in 20 years?+
At 12% annual return, ₹25,000/month SIP for 20 years gives approximately ₹2.49 Crore. You invest ₹60 lakhs and earn ₹1.89 Crore in returns. This is the power of long-term compounding — returns in the final 5 years exceed the total invested amount.
Is ₹25,000 monthly SIP good for retirement?+
₹25,000/month SIP at 12% for 25 years builds approximately ₹4.7 Crore. This corpus, at 4% safe withdrawal, provides ₹1.57 lakh/month in retirement income — comfortable for most Indian families when combined with EPF/PPF.
Which funds should I choose for ₹25,000 SIP?+
Suggested allocation: ₹12,500 in Nifty 50 index fund, ₹7,500 in a flexi-cap fund, ₹5,000 in a mid-cap index fund. This gives broad market exposure, some active alpha potential, and controlled risk. Review and rebalance annually.
What is the tax on ₹25,000 SIP returns?+
SIP returns are taxed as capital gains. If held over 1 year: LTCG tax of 10% on gains exceeding ₹1 lakh per year (equity funds). If held under 1 year: STCG tax of 15%. ELSS funds offer Section 80C deduction of up to ₹1.5 lakh per year, making them tax-efficient for long-term SIP.