A SIP of ₹1,000 a month for 10 years can grow to about ₹2.32 lakh (₹2,32,339) at a 12% yearly return. You put in ₹1,20,000 and growth adds ₹1,12,339.
₹1,000 ki SIP 10 saal me 12% return par lagbhag ₹2.32 lakh ban sakti hai. Return guaranteed nahi hai; market ke hisaab se kam-zyada ho sakta hai.
| Year | You put in | It becomes |
|---|---|---|
| 1 | ₹12,000 | ₹12,809 |
| 2 | ₹24,000 | ₹27,243 |
| 3 | ₹36,000 | ₹43,508 |
| 4 | ₹48,000 | ₹61,835 |
| 5 | ₹60,000 | ₹82,486 |
| 6 | ₹72,000 | ₹1,05,757 |
| 7 | ₹84,000 | ₹1,31,979 |
| 8 | ₹96,000 | ₹1,61,527 |
| 9 | ₹1,08,000 | ₹1,94,822 |
| 10 | ₹1,20,000 | ₹2,32,339 |
| Yearly return | Value after 10 years |
|---|---|
| 8% | ₹1.84 lakh (₹1,84,166) |
| 10% | ₹2.07 lakh (₹2,06,552) |
| 12% (this page) | ₹2.32 lakh (₹2,32,339) |
| 14% | ₹2.62 lakh (₹2,62,091) |
Mutual fund returns are not fixed. Equity funds have often given 10–14% a year over long periods in India, but some years are negative.
Rates used: October–December 2026 where a government rate applies. Results are estimates.