Quick answer
A ₹10,000 monthly SIP could grow to about ₹23.23 lakh in 10 years and ₹99.91 lakh in 20 years at an assumed 12% annual return. You would have invested ₹12,00,000 and ₹24,00,000 respectively.
₹10,000 monthly SIP: maturity value by years and return
Estimated value of a ₹10,000 monthly SIP (invested at the start of each month) at different annual returns:
| Years | Invested | 8% return | 10% return | 12% return | 15% return |
|---|---|---|---|---|---|
| 3 years | ₹3,60,000 | ₹4,08,058 | ₹4,21,300 | ₹4,35,076 | ₹4,56,794 |
| 5 years | ₹6,00,000 | ₹7,39,667 | ₹7,80,824 | ₹8,24,864 | ₹8,96,817 |
| 7 years | ₹8,40,000 | ₹11,28,607 | ₹12,19,583 | ₹13,19,790 | ₹14,89,682 |
| 10 years | ₹12,00,000 | ₹18,41,657 | ₹20,65,520 | ₹23,23,391 | ₹27,86,573 |
| 15 years | ₹18,00,000 | ₹34,83,451 | ₹41,79,243 | ₹50,45,760 | ₹67,68,631 |
| 20 years | ₹24,00,000 | ₹59,29,472 | ₹76,56,969 | ₹99,91,479 | ₹1,51,59,550 |
| 25 years | ₹30,00,000 | ₹95,73,666 | ₹1,33,78,903 | ₹1,89,76,351 | ₹3,28,40,737 |
| 30 years | ₹36,00,000 | ₹1,50,02,952 | ₹2,27,93,253 | ₹3,52,99,138 | ₹7,00,98,206 |
The power of staying invested
At 12% a year, your ₹10,000 SIP turns ₹12,00,000 of contributions into about ₹23.23 lakh in 10 years. Staying invested for 20 years — just double the time — grows ₹24,00,000 into roughly ₹99.91 lakh, more than 4.3× the 10-year value. That is compounding at work.
How long to reach common goals
| Goal | Years at 12% |
|---|---|
| ₹10 lakh | 6 years |
| ₹25 lakh | 11 years |
| ₹50 lakh | 15 years |
| ₹1 crore | 21 years |
| ₹5 crore | 33 years |
Tips
- Increase your SIP each year with your salary — see the step-up SIP calculator.
- Equity returns are not guaranteed; past returns of 10–14% for diversified equity funds over long periods are not a promise.
- Gains on equity funds held over a year are taxed as LTCG above the annual exemption — check current rules.
- Compare with a one-time investment in the lumpsum calculator.
Mutual fund investments are subject to market risks. This is an estimate, not investment advice.
Open ₹10,000 SIP in the SIP calculator →
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