₹10,000 sip for 10 years
₹10,000 a month for 10 years grows to about ₹23,23,391 (23.23 lakh) at an assumed 12% annual return: you invest ₹12,00,000 and the projected gain is ₹11,23,391. at 10% it is about ₹20,65,520, at 15% about ₹27,86,573.
at different returns
| assumed return | projected value | projected gain |
|---|---|---|
| 8% a year | ₹18,41,657 | ₹6,41,657 |
| 10% a year | ₹20,65,520 | ₹8,65,520 |
| 12% a year | ₹23,23,391 | ₹11,23,391 |
| 15% a year | ₹27,86,573 | ₹15,86,573 |
you invest the same ₹12,00,000 in every row. only the assumed return changes.
year by year at 12%
| after | invested | projected value |
|---|---|---|
| year 1 | ₹1,20,000 | ₹1,28,093 |
| year 2 | ₹2,40,000 | ₹2,72,432 |
| year 3 | ₹3,60,000 | ₹4,35,076 |
| year 4 | ₹4,80,000 | ₹6,18,348 |
| year 5 | ₹6,00,000 | ₹8,24,864 |
| year 10 | ₹12,00,000 | ₹23,23,391 |
with a 10% yearly step-up
if you raise the ₹10,000 by 10% every year (from month 13), the same 10 years at 12% grow to about ₹33,74,326 on ₹19,12,491 invested.
in today's money
at 6% inflation, ₹23,23,391 in 10 years buys about what ₹12,97,369 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) = ₹10,000 x ((1.01)^120 - 1) / 0.01 x 1.01 = ₹23,23,390.76.
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 ₹10,000 a month, other durations
5 years 15 years 20 years 25 years 30 years
other amounts for 10 years
₹1,000 ₹2,000 ₹3,000 ₹5,000 ₹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 ₹10,000 SIP become in 10 years?
About ₹23,23,391 at an assumed 12% annual return. You invest ₹12,00,000 and the projected gain is about ₹11,23,391. At 10% it is about ₹20,65,520, at 15% about ₹27,86,573. Returns are not guaranteed.
How much do I invest in a ₹10,000 monthly SIP for 10 years?
₹12,00,000: ₹10,000 x 120 months.
What if I step up my ₹10,000 SIP by 10% every year for 10 years?
At 12% it grows to about ₹33,74,326, on ₹19,12,491 invested.