Investing ₹10,000 a month through a SIP for 10 years at an average return of 12% a year grows to about ₹23.23 lakh. You put in ₹12 lakh, so ₹11.23 lakh is returns. Keep going for 20 years and it could reach ₹99.91 lakh.
₹10,000 monthly SIP after 10 years (12% a year)
₹23,23,391
- You invest
- ₹12 lakh
- Returns
- ₹11.23 lakh
- After 20 years
- ₹99.91 lakh
₹10,000 SIP returns by years and rate
| Years | 8% a year | 10% a year | 12% a year | 15% a year |
|---|---|---|---|---|
| 5 years | ₹7.4 lakh | ₹7.81 lakh | ₹8.25 lakh | ₹8.97 lakh |
| 10 years | ₹18.42 lakh | ₹20.66 lakh | ₹23.23 lakh | ₹27.87 lakh |
| 15 years | ₹34.83 lakh | ₹41.79 lakh | ₹50.46 lakh | ₹67.69 lakh |
| 20 years | ₹59.29 lakh | ₹76.57 lakh | ₹99.91 lakh | ₹1.52 crore |
| 25 years | ₹95.74 lakh | ₹1.34 crore | ₹1.9 crore | ₹3.28 crore |
| 30 years | ₹1.5 crore | ₹2.28 crore | ₹3.53 crore | ₹7.01 crore |
Money invested vs returns at 12%
| Years | You invest | Returns | Value |
|---|---|---|---|
| 5 years | ₹6 lakh | ₹2.25 lakh | ₹8.25 lakh |
| 10 years | ₹12 lakh | ₹11.23 lakh | ₹23.23 lakh |
| 15 years | ₹18 lakh | ₹32.46 lakh | ₹50.46 lakh |
| 20 years | ₹24 lakh | ₹75.91 lakh | ₹99.91 lakh |
| 25 years | ₹30 lakh | ₹1.6 crore | ₹1.9 crore |
| 30 years | ₹36 lakh | ₹3.17 crore | ₹3.53 crore |
At 12% a year, ₹10,000 a month reaches ₹1 crore in about 20 years 1 month. The longer you stay invested, the bigger the share of the final value that comes from returns rather than your own money.
With a 10% yearly step-up
| Years | Flat ₹10,000 a month | Step-up 10% a year | Invested with step-up |
|---|---|---|---|
| 10 years | ₹23.23 lakh | ₹33.74 lakh | ₹19.12 lakh |
| 15 years | ₹50.46 lakh | ₹86.84 lakh | ₹38.13 lakh |
| 20 years | ₹99.91 lakh | ₹1.99 crore | ₹68.73 lakh |
Compare nearby SIP amounts
| Monthly SIP | After 10 years | After 20 years |
|---|---|---|
| ₹4,000 a month | ₹9.29 lakh | ₹39.97 lakh |
| ₹5,000 a month | ₹11.62 lakh | ₹49.96 lakh |
| ₹7,500 a month | ₹17.43 lakh | ₹74.94 lakh |
| ₹10,000 a month | ₹23.23 lakh | ₹99.91 lakh |
| ₹15,000 a month | ₹34.85 lakh | ₹1.5 crore |
| ₹20,000 a month | ₹46.47 lakh | ₹2 crore |
| ₹25,000 a month | ₹58.08 lakh | ₹2.5 crore |
Change the numbers
Frequently asked questions
How much will a ₹10,000 SIP give in 10 years?
About ₹23.23 lakh at 12% a year, from ₹12 lakh invested. At 10% a year it would be about ₹20.66 lakh.
How much will a ₹10,000 SIP give in 20 years?
About ₹99.91 lakh at 12% a year, from ₹24 lakh invested. With a 10% yearly step-up it could reach ₹1.99 crore.
How long does a ₹10,000 SIP take to reach ₹1 crore?
At 12% a year, ₹10,000 a month reaches ₹1 crore in about 20 years 1 month.
Mutual fund returns are not guaranteed. Equity fund gains above ₹1.25 lakh a year are taxed at 12.5% when held over a year. An estimate. Related: All SIP amounts · SIP calculator · Lumpsum calculator · PPF returns