Long-term SIP calculation: Full calculation of potential returns on investments ranging from Rs 1,000 to Rs 3,000. Learn the details.
Siddhi Jain February 21, 2026 06:15 PM

Long-Term SIP Calculation: In this changing environment, along with earning money, saving money and investing in the right place has become paramount. SIPs in mutual funds are very popular among investors. Let's find out how much a small investment can generate.

SIP Investment Returns Calculation: In this changing environment, along with earning money, saving money and investing in the right place has become paramount. Many investment options are available in the market, allowing investors to invest according to their convenience. SIPs in mutual funds are very popular among Indian investors. This is because investors can build a large corpus by investing small amounts over a long period of time.

If the market trend remains positive, SIPs offer better returns. This is why many people are choosing SIPs. Consequently, small investors who invest a thousand or two thousand rupees every month are wondering how much return they will receive over the long term. Let's find the answer to this question...

How much can an investment of Rs. 1000 create?

The habit of regular investing helps build a strong corpus over the long term. For example, if someone invests Rs. 1000 every month in a mutual fund and continues this investment for 20 years, then based on an assumed return of 12 percent, they can have a corpus of approximately Rs. 9.19 lakh over this period. The investor's total deposit during this period will be Rs. 2.40 lakh, while the earnings can be approximately Rs. 6.79 lakh. This clearly demonstrates the power of compounding.

How much can a monthly SIP of Rs. 2000 create in 20 years?

If an investor makes a monthly SIP of Rs. 2000 in a mutual fund and maintains this investment for 20 years, then at an assumed return of 12 percent, they can have a corpus of approximately Rs. 18.39 lakh.

During this period, the total investment will be ₹4.80 lakh, while the potential profit could reach approximately ₹13.59 lakh, demonstrating the benefits of disciplined long-term investing.

A SIP of ₹3,000 will create this much fund in 20 years

Investing in mutual funds through a SIP of ₹3,000 every month and continuing this for 20 years can create a substantial corpus. Based on an assumed return of 12 percent, the total corpus at the end of this period could reach approximately ₹27.59 lakh.

During this period, the investor's total investment will be ₹7.20 lakh, while the potential profit could be approximately ₹20.39 lakh.

Disclaimer: (The information provided here is for informational purposes only. It is important to note that investing in the market is subject to market risks. Always seek expert advice before investing as an investor. India Employment News never recommends investing here.)

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