5X15X25 SIP Strategy: Can Rs 5,000 monthly investment generate Rs 1.64 crore corpus?

By following the 5X15X25 SIP rule one can build Rs 1.64 crore by investing just Rs 5,000 in monthly SIP. This simple yet powerful strategy requires disciplined investment, long-term commitment, and compounding returns. It is a great example of how starting even with a small amount can lead to big results in the long run. If you are wondering how to create a sizeable corpus with a small monthly investment, this formula exactly shows how it’s possible. Let’s explore the 5x15x25 systematic investment plan (SIP) strategy that can turn your small investments into a crore. 

Read more: Power of Rs 15,000 SIP: How long it will take to achieve Rs 7 crore corpus? See calculations to know

Power of Compounding

It is a process to generate earnings not only on the principal amount but also on the accumulated growth during the investment period.

Benefits of compounding

It can help your investments grow faster 
It is beneficial for long-term growth
It reduces risk

Flexibility in SIP

SIP offers flexible investment options, allowing you to choose the investment amount and period. 

How does 5x15x25 formula work?

The 5x15x25 formula means starting a mutual fund investment through SIP and continuing it for 25 years. In this formula, "5" represents a monthly SIP of Rs 5,000. "15" denotes the annualised SIP returns. Whereas "25"  signifies the number of years that one needs to invest in SIP for 25 years. 

5x15x25 SIP Formula: What will be your total investment?

Using this formula, if an individual starts a monthly SIP of Rs 5,000 and continues for 25 years, their estimated investment amount will be Rs 15,00,000. 

5X15X25 SIP formula: What will be your capital gains?

With Rs 5,000 monthly SIP for 25 years of investment period. The estimated capital gains will be Rs 1,49,20,369

5X15X25 formula: How many years will it take to build Rs 1.64 crore corpus

It will approximately take 25 years to build a corpus of Rs 1.6 crore. See calculations to know how it will work. 

5x15x25 SIP Formula: Calculation conditions

Here, we will calculate the target corpus, capital gains, and investment amount on 15 per cent annualised return.

5x15x25 SIP Formula: Calculation to create corpus Rs 1.64 crore corpus

Target corpus: 1.6 crore
Monthly Investment: Rs 5,000
Expected annualised return: 15 per cent
Time period: 25 years
The Estimated corpus will be Rs 1,64,20,369 in 25 years. 

(Disclaimer: Our calculations are projections and not investment advice. Do your due diligence or consult an expert for financial planning)