A person investing ₹100 monthly in a SIP at 12% per annum will earn ₹2,166.97 in 5 years, with a total investment value of ₹8,166.97, as per SEBI's SIP calculator. In 10 years and 15 years, the same investment will give a return of ₹11,003.87 and ₹31,958.02, with a total investment value of ₹23,003.87 and ₹49,958.02, respectively.