SIP: How long will it take to build a fund of ₹20 lakh with a monthly investment of ₹4000? know here..

Mutual fund SIPs have become a favorite investment option for investors today. ​​Through SIPs, we can invest money in installments. Today, with the help of an SIP calculator, we will understand how long it will take to build a fund of ₹20 lakh with a monthly SIP of ₹4000?

Calculation

Investment amount - ₹4000 per month
Investment return - 12 percent
If a person invests ₹4000 every month through an SIP, it will take them 15 years to build a fund of ₹20 lakh, assuming a 12 percent return. In these 15 years, you will have ₹20,18,000. You will have invested ₹7,20,000 over these 15 years. The return on investment would be ₹12,98,000. However, this return may vary.

Now let's talk about 10 funds that have given the highest returns this year. Top 10 Funds of 2025
Name    AUM    Expense Ratio    Return
DSP World Gold Mining Overseas Equity Omni FoF    1688.963    1.64    175.2223134
SBI Silver ETF FOF    1455.66    0.31    145.749488
Aditya Birla SL Silver ETF FOF    639.9023    0.3    144.2408302
Nippon India Silver ETF FOF    2512.113    0.27    143.9883763
Kotak Silver ETF FoF    398.5877    0.14    143.9099352
HDFC Silver ETF FoF    1878.699    0.18    143.889351
ICICI Pru Silver ETF FOF    4011.727    0.12    143.7003413
UTI Silver ETF FoF    294.5212    0.16    142.5265113
Axis Silver FoF    533.8407    0.16    142.3155731
Tata Silver ETF FoF    494.995    0.2    138.4823287
However, please note that you should not select any fund based solely on returns. It is also important to consider the risk factors of the funds.

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