₹1000 SIP to ₹5 Lakh Fund: Time, Returns, and Full Calculation Explained
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Moneycontrol•25-01-2026, 23:25
₹1000 SIP to ₹5 Lakh Fund: Time, Returns, and Full Calculation Explained
- •A monthly SIP of ₹1,000 can build a ₹5 lakh fund, with the time taken depending on the annual return rate.
- •At a 10% annual return, it takes approximately 16 years and 6 months, with a total investment of ₹1.98 lakh.
- •Achieving a 12% annual return shortens the goal to about 15 years, with a total investment of ₹1.80 lakh.
- •With a 15% annual return, the ₹5 lakh fund can be built in roughly 13 years and 3 months, investing ₹1.59 lakh.
- •Compounding is key in SIP; starting early and staying invested for the long term maximizes returns and helps achieve financial goals.
Why It Matters: Small SIPs can build substantial wealth over time through compounding; consistency and early start are crucial.
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