Invest 15000 month SIP

Invest Rs 15000 per month SIP Mutual Funds (2023)

Invest 15000 month SIP

Do you wish to know where and how best to invest Rs 15000 per month?

Then you are at the right place.

Investing in mutual funds is one of the best ways to begin your wealth creation journey. And if you have already decided to invest 15000 per month in mutual fund SIP, then its all the more better.

Why do I say so?

Because it’s well proven; I have benefited from it greatly myself and also because I can share a real life proof of how one person used SIP investing to create a portfolio of multiple crores. You may accept or not, but the fact is that for many small investors, there are some obvious benefits of SIP investing.

SIP or Systematic Investment Plans are simple – invest a fixed sum in mutual funds at a regular frequency (generally monthly). Since most common investors are incapable of making big lump sum investments, SIP makes it easy for such people to make small regular investments every month using their monthly salaries without feeling burdened.

Once you have decided to invest a sum of Rs 15000 every month regularly, I am sure that you would be curious to know how much money you will have when you invest Rs 15000 a month in mutual funds for several years?


So let’s do some basic calculations:

Value of Rs 15000 per month SIP

Historical SIP returns of good mutual funds have been between 12-18%. The actual returns might differ for different investors. But for this discussion, let’s be conservative and assume the average SIP returns in 10, 15 or 20 years to be 12% per annum.

Here is what a Rs 15000 per month SIP in mutual funds can do over the years:

  • 5 year SIP of Rs 15000 monthly = Rs 12.8 lakh
  • 10 year SIP of Rs 15000 monthly = Rs 35 lakh
  • 15 year SIP of Rs 15000 monthly = Rs 75 lakh
  • 20 year SIP of Rs 15000 monthly = Rs 1.4 crore
  • 25 year SIP of Rs 15000 monthly = Rs 2.7 crore
  • 30 year SIP of Rs 15000 monthly = Rs 4.8 crore


Those are some big numbers…atleast towards the end. And the picture becomes clearer when you compare these figures with the actual investments made:

  • 5 year = Rs 15,000 x 12 x 5 = Rs 9 lakh
  • 10 year = Rs 15,000 x 12 x 10 = Rs 18 lakh
  • 15 year = Rs 15,000 x 12 x 15 = Rs 27 lakh
  • 20 year = Rs 15,000 x 12 x 20 = Rs 36 lakh
  • 25 year = Rs 15,000 x 12 x 25 = Rs 45 lakh
  • 30 year = Rs 15,000 x 12 x 30 = Rs 54 lakh

The route of SIP investing can create a lot of wealth for you.

And just notice this – If you invest Rs. 15,000 per month via SIP for 10 years, you are actually just investing about Rs 18 lakh. But return you are getting is around Rs 35-36 lakh. It is double of what you originally invested over the 10-year period. And the longer you keep investing, the better the returns get!

So just imagine the kind of wealth you can create if you start investing early on in your career (let’s say at age 25-30) and continue till 60. Your monthly investments of Rs 15,000 in equity funds can grow into Rs 4.8 crore in 30 years! This is the magic of compounding at play.

Compared with other options like fixed deposits, PF, etc. (where you won’t get more than 7-8% returns), equity funds are great for real inflation-beating wealth creation.

And at the cost of sounding repetitive, I would say that starting early is unimaginably important. Here is something (very detailed) I wrote about the huge cost of delay in investing. It’s about two friends who start investing at different ages of 25 and 35. You will be shocked to see the difference in the final corpus they create. Do read it!

Real Example – SIP of Rs 15000 in Good Mutual Funds

The calculations shared above were done using simple SIP calculator (using fixed average returns of 12%). But in reality, the returns fluctuate and neither stock markets nor mutual fund NAVs move in straight lines.

So let’s use some real life SIP examples instead.

Let’s see what would have happened if you would have started investing Rs 15,000 every month via SIP in some good mutual funds years back:

Note – The choice of fund(s) or fund house is just for sharing the concept. It should not be construed as an investment recommendation.

Starting January 2000, if you had invested Rs 15,000 per month in HDFC Top 200, HDFC Equity and HDFC Prudence, your actual total investment in each would have been about Rs 31.6 lac (up to July 2017).

And the value of your investments would be…

….hold your breath….

  • Rs 2.61 crore in HDFC Top 200 Fund
  • Rs 2.79 crore in HDFC Equity Fund
  • Rs 2.44 crore in HDFC Prudence Fund

Read those figures again. 🙂

We often think it’s difficult to get rich. The above examples prove otherwise.

Investing in mutual fund SIPs can make you a SIP crorepati even with a normal income! No need for a rich father. J How to get Rs 1 crore in 20 years? The answer is to invest 10000 every month. How to get Rs 1 crore in 15 years? The answer is to invest Rs 20000 every month.

So now you have answers to your questions like how to become a crorepati by SIP. 🙂


Don’t you feel something is odd in this discussion till now?

There is. And let me highlight it for you –

There is absolutely no need to keep investing just the originally decided amount of Rs 15,000 per month for 20-30 years. Your income would increase every year. So your investments too should increase accordingly. Isn’t it?

A Rs 15000 per month investment for 17 years resulted in Rs 2.4-2.8 crore. Just imagine what would have happened if you had decided to go for a Step Up SIP? An SIP that increases every year in line with your income. So for example, it can be Rs 15,000 in the first year, followed by 17,000 per month in next year, 19,000 per month in 3rd year and so on…. (i.e., increasing SIP by Rs 2000 every year).

If you want to start a SIP, always keep in mind that you can create ‘more’ wealth if you are able to increase the SIP every year.

Now ofcourse I have chosen funds that help me prove my point. And there have been several other bad funds too where a systematic investment strategy would have resulted in much lower SIP returns. But I am trying to highlight the potential of serious wealth creation here. And if you believe in the power of equity, then for most common people, the best way to invest regularly in equity is to do it via mutual fund SIPs.

Model SIP Mutual Fund Portfolio

If you wish to create a portfolio of mutual funds by investing in a SIP of 15000 per month, it’s suggested not to have too many funds. Going for just 2-3 funds is more than enough.

Depending on one’s risk profile, some possible combinations are:

  • Rs 7500 each in two Large Cap funds
  • Rs 5000 Large Cap fund + Rs 10000 Balanced fund
  • Rs 10000 Large Cap fund + Rs 5000 Mid&Small Cap fund
  • Rs 7500 in Large Cap Fund + Rs 7500 in Flexi/Multi Cap Fund
  • Rs 7000 Large Cap fund + Rs 5000 Balanced fund + Rs 3000 Mid&Small Cap fund
  • Rs 5000 Balanced fund + Rs 5000 Mid&Small Cap fund + Rs 5000 Large cap fund
  • Rs 10000 Index Fund + Rs 5000 Balanced fund

There can be an infinite number of combinations. Suitability of SIP portfolio will differ from one investor to other. If you are not sure about where to invest or are looking for the best SIP for Rs 15000 per month, it’s better to take help of an investment advisor (you can contact me too).

Note – It’s assumed that if investing Rs 15000 in equity funds, you have already taken care of debt investments (via PF, PPF, etc.) in accordance with your asset allocation based investment plan. It is also assumed that you wish to invest for at least 5 years. Anything lower (like 2-3 years) and you should go for debt options or have a very small percentage in equities.

SIPs are really helpful when it comes to investing in equity without much effort or stress. But SIPs can be helpful when it comes to goal based investing too.

I have already written at length as to how setting goals can help better manage investments.

It is always advisable to attach a goal to your investments. It helps keep you motivated and stick with the investment plan for long enough. And this is exactly how the remarkably powerful goal based financial planning works.

You can easily use SIPs to plan for all your goals (Download FREE Financial Goal Excel Worksheet here) and then invest regularly to achieve them. Goals like saving for children’s education, children’s marriage, saving for your house purchase, foreign trips, etc. can be done easily and efficiently through systematic investment plans of mutual funds.

And why leave the biggest financial goal of them all?

You can even do retirement planning or early retirement planning using mutual funds. In addition to the mandatory savings you do for your retirement (via EPF or PPF), you can use SIPs to create a good retirement mutual fund portfolio. Investing in mutual funds for retirement is a no-brainer if you don’t want to run out of money before you die.

Need Help?

As a professional investment advisor, I do help investors create goal-based financial plans to achieve their real financial goals. If you wish to get yourself a solid financial plan that tells you how much to invest, where to invest and for how long to invest for your financial goals, you can contact me for professional advice.

Here is how to contact me:

  • Go through the Services Page to see how I create your financial plan and use the form (at the end of the page) to contact me
  • Contact me directly using this form

As you must have realized, just knowing where to invest Rs 15,000 every month is not enough. You need to know how much to invest in SIP to achieve your financial goals and then, invest in a more structured goal-based manner to live a financially fulfilling life that takes care of all your financial goals.

I will end this post now.

But before I do, let me tell you something important – SIP is no magic that will solve all your financial worries. Also, it does not guarantee high positive returns. But if you understand and believe in equity and the real power of compounding, I can assure you that taking the SIP route is your best bet to earn high returns offered by equity and that too in a limited monthly income that most people have. You have a real chance of getting very rich over time. And you don’t want to miss that. 🙂

Also please, don’t be under the impression that SIP is only for small investors. You can invest much more than just doing a SIP of 15,000 per month.

You can go for (click links below for details):

Or if you wish to invest a smaller amount, you can even check the below link:

By investing regularly via SIP in best mutual funds for long term SIP investment, you can create a solid portfolio that earns inflation-beating returns without any hassles.


Are you still thinking whether or not to start a SIP in equity mutual funds?

I would suggest you stop thinking and start acting now.

You have all the answers now… and don’t need to wonder what would happen if I invest 15000 a month in mutual funds.

You know exactly how much wealth your small regular systematic investments can create. So start investing if you still haven’t; or increase your SIP investments if you are already investing Rs 15000 per month in mutual fund SIP in 2023. Over long-term, you will do incredibly well.


  1. Hi Ashish, I think this line needs to be corrected as its a typo – 20 year SIP of Rs 15000 monthly = Rs 1.4 lakh, I think it should be 1.4 crore and not 1.4 lakh, since the 15 year gives 75 lakh. Please correct it soon.

  2. Hi Ashish , it would be better and accurate for the readers if you can update the article considering the inflation over the period of time .

  3. rs 15000 investment per month for 15 years means what is the average monthly investment please? investment in a immovable property in a big city can fetch very rich return within 15 years?

  4. Dear sir

    I have invested 12k1in below fund & my time horizho is 151year. Are this fund are ok or need to be chanch
    L&T MID cap 3000

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