₹10,000 SIP Per Month — Growth Calculator
See how a ₹10,000 monthly SIP grows over time at India's long-term equity returns. Free, no signup.
How ₹10,000/month grows at 12%
| Duration | Invested | Future value |
|---|---|---|
| 10 years | ₹1,200,000 | ₹2,323,391 |
| 15 years | ₹1,800,000 | ₹5,045,760 |
| 20 years | ₹2,400,000 | ₹9,991,479 |
| 25 years | ₹3,000,000 | ₹18,976,351 |
| 30 years | ₹3,600,000 | ₹35,299,138 |
Assumes 12% p.a. (long-term Nifty 50 average). Equity returns vary year to year; invest for the long term.
The power of compounding
₹10,000/month for 20 years at 12%:
- Future value: ₹9,991,479
- Total invested: ₹2,400,000
- Gains: ₹7,591,479 (4.2× your money)
Frequently Asked Questions
How much will ₹10,000 SIP per month become?
At a 12% long-term return, ₹10,000/month for 20 years grows to about ₹9,991,479 — roughly 4.2× the ₹2,400,000 you invest. Returns vary; this is a historical-average estimate.
Is 12% return guaranteed?
No. 12% is the long-term historical average of the Nifty 50; actual returns vary and can be negative in any year. Diversify and stay invested long term.
What is a step-up SIP?
Increasing your SIP amount each year (e.g. 10%) with your income. It dramatically grows the final corpus — try the step-up option in the calculator.
SIP or lump sum?
SIP averages your entry price over time (rupee-cost averaging) and suits regular savers. Lump sum suits a large one-time amount. Many investors use both.