A monthly SIP of ₹5,000 for 25 years at 12% expected rate of return can grow to about ₹94.9 lakh, with ₹15 lakh invested and rest from compounding, said NDTVProfit. This doesn't account for factors such as inflation and taxes, NDTVProfit added. To reach one's financial goals faster, one can also increase SIP amount at regular intervals, usually annually.