Archive · 6 Oct 2026
How an Extra ₹1,000 Monthly SIP Can Grow Your Investment
A SIP is a way to invest a set amount every month.
The article compares investing ₹5,000 each month with investing ₹6,000.
It assumes the money earns 12% a year, but says this is only an example and returns can change.
Under that assumption, the extra ₹1,000 each month could make the investment about ₹5 lakh larger after 15 years.
After 20 years, the estimated difference is nearly ₹10 lakh.
If returns are lower, the difference is smaller, but the extra contributions still add to the total.
Starting earlier gives the added money more time to grow.
The article also says to choose an amount you can keep investing and to build emergency savings first.
At an assumed 12% annual return, a ₹5,000 monthly SIP is estimated to reach ₹25.23 lakh after 15 years.
Under the same assumptions, a ₹6,000 SIP is estimated to reach ₹30.27 lakh after 15 years—a gap of about ₹5.05 lakh.
After 20 years, the estimated gap grows to nearly ₹10 lakh: ₹49.96 lakh versus ₹59.95 lakh.
At 15 years, the estimated gap is ₹4.18 lakh at 10% returns and ₹3.48 lakh at 8% returns.
For a ₹1 crore target at an assumed 12% annual return, the article estimates the ₹6,000 SIP reaches it about 18 months before the ₹5,000 SIP.
- Who
- Investors comparing a ₹5,000 monthly SIP with a ₹6,000 monthly SIP.
- What
- An illustrative comparison of how an additional ₹1,000 in monthly SIP contributions may affect investment value and the time to reach a ₹1 crore target.
- When
- Over periods of 10, 15, and 20 years; the ₹1 crore target estimates are also given.
- Where
- In equity mutual fund SIP investments in India.
- Why
- To show how higher contributions and more time invested may affect a corpus through compounding.
- Starting SIP
- ₹5,000 per month
- Increased SIP
- ₹6,000 per month
- Illustrative annual return
- 12%, compounded monthly; not a promise of returns
- 15-year estimate at 12%
- ₹25.23 lakh for ₹5,000 monthly; ₹30.27 lakh for ₹6,000 monthly
- 20-year estimate at 12%
- ₹49.96 lakh for ₹5,000 monthly; ₹59.95 lakh for ₹6,000 monthly
- 15-year estimate at 10%
- ₹20.90 lakh for ₹5,000 monthly; ₹25.08 lakh for ₹6,000 monthly
- Emergency fund suggested
- Three to six months of expenses