Investment Summary
| Monthly SIP Amount | ₹30,000 |
| Annual Return Rate (assumed) | 12% |
| Investment Period | 10 years (120 months) |
| Total Amount Invested | ₹36,00,000 |
| Estimated Wealth Gained | ₹33,70,172 |
| Maturity Value after 10 Years | ₹69,70,172 |
Key Insight: You invest ₹36,00,000 over 10 years, but your money grows to ₹69,70,172. The extra ₹33,70,172 comes purely from compounding — your money earning returns on returns every month.
SIP Returns Across Different Time Periods
See how the same monthly investment grows exponentially over time:
| Time Period | Total Invested | Wealth Gained | Maturity Value |
|---|---|---|---|
| 5 years | ₹18,00,000 | ₹6,74,591 | ₹24,74,591 |
| 10 years | ₹36,00,000 | ₹33,70,172 | ₹69,70,172 |
| 15 years | ₹54,00,000 | ₹97,37,280 | ₹1,51,37,280 |
| 20 years | ₹72,00,000 | ₹2,27,74,438 | ₹2,99,74,438 |
| 25 years | ₹90,00,000 | ₹4,79,29,053 | ₹5,69,29,053 |
| 30 years | ₹1,08,00,000 | ₹9,50,97,413 | ₹10,58,97,413 |
Year-Wise Growth Breakdown
| Year | Total Invested | Returns Earned | Portfolio Value |
|---|---|---|---|
| Year 1 | ₹3,60,000 | ₹24,280 | ₹3,84,280 |
| Year 2 | ₹7,20,000 | ₹97,296 | ₹8,17,296 |
| Year 3 | ₹10,80,000 | ₹2,25,229 | ₹13,05,229 |
| Year 4 | ₹14,40,000 | ₹4,15,045 | ₹18,55,045 |
| Year 5 | ₹18,00,000 | ₹6,74,591 | ₹24,74,591 |
| Year 6 | ₹21,60,000 | ₹10,12,711 | ₹31,72,711 |
| Year 7 | ₹25,20,000 | ₹14,39,370 | ₹39,59,370 |
| Year 8 | ₹28,80,000 | ₹19,65,797 | ₹48,45,797 |
| Year 9 | ₹32,40,000 | ₹26,04,645 | ₹58,44,645 |
| Year 10 | ₹36,00,000 | ₹33,70,172 | ₹69,70,172 |
Want to Calculate with Your Own Numbers?
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Use SIP CalculatorFrequently Asked Questions
How much will ₹30,000 SIP give after 10 years?
At 12% annual returns, a monthly SIP of ₹30,000 grows to ₹69,70,172 in 10 years. You invest ₹36,00,000 and earn ₹33,70,172 as returns — a wealth gain of 94%.
Is SIP better than FD for long-term goals?
For 10+ year goals, SIP in equity mutual funds has historically outperformed FDs significantly. An FD at 7% would give you around ₹72,05,750 on the same ₹36,00,000 lump sum, vs SIP's potential ₹69,70,172 through regular investing.
What if returns are lower — say 10% instead of 12%?
At 10% annual returns, your ₹30,000/month SIP for 10 years would grow to ₹61,96,561. At 8% it would be ₹55,24,970. Starting early and staying invested matters more than chasing the exact return rate.
What is the best SIP amount to start with?
Start with what you can sustain consistently. Even ₹500/month builds the habit. The real power of SIP is rupee cost averaging — buying more units when markets fall, fewer when they rise. Increase your SIP by 10% every year (step-up SIP) to dramatically boost the final corpus.
How is SIP taxed in India?
Each SIP instalment is treated as a separate investment. For equity funds: gains held over 12 months are LTCG taxed at 10% above ₹1 lakh exemption. Gains under 12 months are STCG at 15%. For debt funds, all gains are taxed at your income slab rate.