₹1,000 sip for 10 years
₹1,000 a month for 10 years grows to about ₹2,32,339 (2.32 lakh) at an assumed 12% annual return: you invest ₹1,20,000 and the projected gain is ₹1,12,339. at 10% it is about ₹2,06,552, at 15% about ₹2,78,657.
at different returns
| assumed return | projected value | projected gain |
|---|---|---|
| 8% a year | ₹1,84,166 | ₹64,166 |
| 10% a year | ₹2,06,552 | ₹86,552 |
| 12% a year | ₹2,32,339 | ₹1,12,339 |
| 15% a year | ₹2,78,657 | ₹1,58,657 |
you invest the same ₹1,20,000 in every row. only the assumed return changes.
year by year at 12%
| after | invested | projected value |
|---|---|---|
| year 1 | ₹12,000 | ₹12,809 |
| year 2 | ₹24,000 | ₹27,243 |
| year 3 | ₹36,000 | ₹43,508 |
| year 4 | ₹48,000 | ₹61,835 |
| year 5 | ₹60,000 | ₹82,486 |
| year 10 | ₹1,20,000 | ₹2,32,339 |
with a 10% yearly step-up
if you raise the ₹1,000 by 10% every year (from month 13), the same 10 years at 12% grow to about ₹3,37,433 on ₹1,91,249 invested.
in today's money
at 6% inflation, ₹2,32,339 in 10 years buys about what ₹1,29,737 buys today.
how this is worked out
monthly rate i = 12 / 12 / 100 = 1%, n = 120 months. with each payment at the start of the month, value = P x ((1 + i)^n - 1) / i x (1 + i) = ₹1,000 x ((1.01)^120 - 1) / 0.01 x 1.01 = ₹2,32,339.08.
illustrative only. mutual fund returns are not fixed or guaranteed; this assumes payments at the start of every month, the annual return compounded monthly (12% = 1% a month), and ignores tax, exit loads and fees. not investment advice.
same ₹1,000 a month, other durations
5 years 15 years 20 years 25 years 30 years
other amounts for 10 years
₹2,000 ₹3,000 ₹5,000 ₹10,000 ₹15,000 ₹20,000 ₹25,000 ₹50,000
all sip amounts and durations · sip calculator with your own numbers
questions people ask
What will a ₹1,000 SIP become in 10 years?
About ₹2,32,339 at an assumed 12% annual return. You invest ₹1,20,000 and the projected gain is about ₹1,12,339. At 10% it is about ₹2,06,552, at 15% about ₹2,78,657. Returns are not guaranteed.
How much do I invest in a ₹1,000 monthly SIP for 10 years?
₹1,20,000: ₹1,000 x 120 months.
What if I step up my ₹1,000 SIP by 10% every year for 10 years?
At 12% it grows to about ₹3,37,433, on ₹1,91,249 invested.