A SIP of ₹10,000 a month for 10 years can grow to about ₹23.2 lakh (₹23,23,391) at a 12% yearly return. You put in ₹12,00,000 and growth adds ₹11,23,391.
₹10,000 ki SIP 10 saal me 12% return par lagbhag ₹23.2 lakh ban sakti hai. Return guaranteed nahi hai; market ke hisaab se kam-zyada ho sakta hai.
| Year | You put in | It becomes |
|---|---|---|
| 1 | ₹1,20,000 | ₹1,28,093 |
| 2 | ₹2,40,000 | ₹2,72,432 |
| 3 | ₹3,60,000 | ₹4,35,076 |
| 4 | ₹4,80,000 | ₹6,18,348 |
| 5 | ₹6,00,000 | ₹8,24,864 |
| 6 | ₹7,20,000 | ₹10,57,570 |
| 7 | ₹8,40,000 | ₹13,19,790 |
| 8 | ₹9,60,000 | ₹16,15,266 |
| 9 | ₹10,80,000 | ₹19,48,215 |
| 10 | ₹12,00,000 | ₹23,23,391 |
| Yearly return | Value after 10 years |
|---|---|
| 8% | ₹18.4 lakh (₹18,41,657) |
| 10% | ₹20.7 lakh (₹20,65,520) |
| 12% (this page) | ₹23.2 lakh (₹23,23,391) |
| 14% | ₹26.2 lakh (₹26,20,914) |
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.