JanNivesh SIP - See Your Returns On Rs 250 Investment In 10, 15, 20, 25, 30, 40, 50 Years

To encourage savings and promote financial inclusion, SBI Mutual Fund in collaboration with One 97 Communications, the parent company of fintech platform Paytm, has launched 'JanNivesh' scheme, which enables individuals to start investing with micro SIPs at just Rs 250.

The scheme is designed to target first-time investors and small savers across both rural and urban regions of the country, making mutual fund investments more accessible. Investors can choose to contribute daily, weekly, or monthly, depending on their convenience and financial goals.

Let us explore how a modest investment of Rs 250 per month can grow with a 15 per cent annual return over the years using a mutual fund future value calculator.

Scenario 1 -

If you are planning to invest Rs 250 monthly, then at the end of 10 years with an expected rate of return of 15 per cent you will have

Total invested amount - Rs 30,000

Gains - Rs 39,664

Future value - Rs 69,665

Within a decade, the small savings of Rs 250 monthly has almost grown double.

Scenario 2-

If you are planning to make a monthly investment of Rs 250, then at the end of 15 years with an expected rate of return of 15 per cent you will have

Total invested amount - Rs 45,000

Gains - Rs 1,24,000

Future value - Rs 1,69,000

In 15 years, the investment amount grows nearly four times, highlighting the power of compounding.

Scenario 3 -

At the end of 20 years with an expected rate of return of 15 per cent your monthly investment of Rs 250 will turn into

Total invested amount - Rs 60,000

Gains - Rs 3,19,000

Future value - Rs 3,79,000

By the year 20, the modest savings turn into a significant corpus.

Scenario 4-

If you are planning to invest Rs 250 monthly, then at the end of 25 years with an expected rate of return of 15 per cent you will have

Total invested amount - Rs 75,000

Gains - Rs 7,46,000

Future value - Rs 8,21,000

With 25 years of consistent savings, your investment amount has grown about ten times.

Scenario 5-

If you are going to invest Rs 250 every month, then at the end of 30 years with an expected rate of return of 15 per cent you will have

Total invested amount - Rs 90,000

Gains - Rs 16,62,000

Future value - Rs 17,52,000

After disciplined savings of three decades, your savings have transformed into a massive amount.

Scenario 6-

If you are planning to invest Rs 250 monthly, then at the end of 40 years with an expected rate of return of 15 per cent you will have

Total invested amount - Rs 1,20,000

Gains - Rs 77,31,000

Future value - Rs 78,51,000

In 40 years, your savings snowball into a massive corpus, proving that time in the market beats timing the market.

Scenario 7 -

With a monthly investment of Rs 250 at the end of 50 years with an expected rate of return of 15 per cent you will have

Total invested amount - Rs 1,50,000

Gains - Rs 3,48,00,000

Future value - Rs 3,49,00,000

If you are planning for a long haul of 50 years, then this humble monthly investment of Rs 250 could turn you into a crorepati.