₹1,000 a month SIP: how much will it grow?
Rules for FY 2026-27 · Checked 24 October 2026
Short answer
At 12% a year, a ₹1,000 monthly SIP grows to ₹2.32L in 10 years and ₹9.99L in 20 years. It reaches ₹1 crore in about 38 years 7 months. Returns are not guaranteed; the table shows 10% and 14% too.
- After 10 years₹2.32L₹1.2L invested
- After 20 years₹9.99L₹2.4L invested
- With 10% yearly step-up₹19.89LAfter 20 years
- To reach ₹1 crore39 yearsAt 12% a year
₹1,000 SIP returns table
| Years | Invested | At 10% | At 12% | At 14% |
|---|---|---|---|---|
| 5 years | ₹60k | ₹78.1k | ₹82.5k | ₹87.2k |
| 10 years | ₹1.2L | ₹2.07L | ₹2.32L | ₹2.62L |
| 15 years | ₹1.8L | ₹4.18L | ₹5.05L | ₹6.13L |
| 20 years | ₹2.4L | ₹7.66L | ₹9.99L | ₹13.16L |
| 25 years | ₹3L | ₹13.38L | ₹18.98L | ₹27.27L |
| 30 years | ₹3.6L | ₹22.79L | ₹35.3L | ₹55.57L |
Each instalment is invested at the start of the month and compounds monthly. Mutual fund returns go up and down; use the rates as a range, not a promise.
Change the numbers
Value after 20 years₹9,99,148
9.99 lakh from ₹2,40,000 invested.
- Your money grows 4.16×.
- From year 11, your returns are bigger than everything you put in.
- Leave it 5 more years and it becomes ₹18.15L.
Total value₹9.99L
- Amount invested₹2,40,000
- Estimated returns₹7,59,148
Year-by-year table
| Year | Invested | Returns | Value |
|---|---|---|---|
| 1 | ₹12,000 | ₹809 | ₹12,809 |
| 2 | ₹24,000 | ₹3,243 | ₹27,243 |
| 3 | ₹36,000 | ₹7,508 | ₹43,508 |
| 4 | ₹48,000 | ₹13,835 | ₹61,835 |
| 5 | ₹60,000 | ₹22,486 | ₹82,486 |
| 6 | ₹72,000 | ₹33,757 | ₹1,05,757 |
| 7 | ₹84,000 | ₹47,979 | ₹1,31,979 |
| 8 | ₹96,000 | ₹65,527 | ₹1,61,527 |
| 9 | ₹1,08,000 | ₹86,822 | ₹1,94,822 |
| 10 | ₹1,20,000 | ₹1,12,339 | ₹2,32,339 |
| 11 | ₹1,32,000 | ₹1,42,615 | ₹2,74,615 |
| 12 | ₹1,44,000 | ₹1,78,252 | ₹3,22,252 |
| 13 | ₹1,56,000 | ₹2,19,931 | ₹3,75,931 |
| 14 | ₹1,68,000 | ₹2,68,418 | ₹4,36,418 |
| 15 | ₹1,80,000 | ₹3,24,576 | ₹5,04,576 |
| 16 | ₹1,92,000 | ₹3,89,378 | ₹5,81,378 |
| 17 | ₹2,04,000 | ₹4,63,921 | ₹6,67,921 |
| 18 | ₹2,16,000 | ₹5,49,439 | ₹7,65,439 |
| 19 | ₹2,28,000 | ₹6,47,325 | ₹8,75,325 |
| 20 | ₹2,40,000 | ₹7,59,148 | ₹9,99,148 |
Frequently asked questions
How much will a ₹1,000 SIP be worth in 10 years?
About ₹2.32L at 12% a year, from ₹1.2L invested. At 10% it would be ₹2.07L.
How much will a ₹1,000 SIP be worth in 20 years?
About ₹9.99L at 12% a year. Raising the SIP by 10% every year takes it to about ₹19.89L.
How long does a ₹1,000 SIP take to reach ₹1 crore?
About 38 years 7 months at 12% a year, if you keep investing every month.