₹10,000 a month SIP: how much will it grow?
Rules for FY 2026-27 · Checked 24 October 2026
Short answer
At 12% a year, a ₹10,000 monthly SIP grows to ₹23.23L in 10 years and ₹99.91L in 20 years. It reaches ₹1 crore in about 20 years 1 month. Returns are not guaranteed; the table shows 10% and 14% too.
- After 10 years₹23.23L₹12L invested
- After 20 years₹99.91L₹24L invested
- With 10% yearly step-up₹1.99CrAfter 20 years
- To reach ₹1 crore21 yearsAt 12% a year
₹10,000 SIP returns table
| Years | Invested | At 10% | At 12% | At 14% |
|---|---|---|---|---|
| 5 years | ₹6L | ₹7.81L | ₹8.25L | ₹8.72L |
| 10 years | ₹12L | ₹20.66L | ₹23.23L | ₹26.21L |
| 15 years | ₹18L | ₹41.79L | ₹50.46L | ₹61.29L |
| 20 years | ₹24L | ₹76.57L | ₹99.91L | ₹1.32Cr |
| 25 years | ₹30L | ₹1.34Cr | ₹1.9Cr | ₹2.73Cr |
| 30 years | ₹36L | ₹2.28Cr | ₹3.53Cr | ₹5.56Cr |
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₹99,91,479
99.91 lakh from ₹24,00,000 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 ₹1.82Cr.
Total value₹99.91L
- Amount invested₹24,00,000
- Estimated returns₹75,91,479
Year-by-year table
| Year | Invested | Returns | Value |
|---|---|---|---|
| 1 | ₹1,20,000 | ₹8,093 | ₹1,28,093 |
| 2 | ₹2,40,000 | ₹32,432 | ₹2,72,432 |
| 3 | ₹3,60,000 | ₹75,076 | ₹4,35,076 |
| 4 | ₹4,80,000 | ₹1,38,348 | ₹6,18,348 |
| 5 | ₹6,00,000 | ₹2,24,864 | ₹8,24,864 |
| 6 | ₹7,20,000 | ₹3,37,570 | ₹10,57,570 |
| 7 | ₹8,40,000 | ₹4,79,790 | ₹13,19,790 |
| 8 | ₹9,60,000 | ₹6,55,266 | ₹16,15,266 |
| 9 | ₹10,80,000 | ₹8,68,215 | ₹19,48,215 |
| 10 | ₹12,00,000 | ₹11,23,391 | ₹23,23,391 |
| 11 | ₹13,20,000 | ₹14,26,148 | ₹27,46,148 |
| 12 | ₹14,40,000 | ₹17,82,522 | ₹32,22,522 |
| 13 | ₹15,60,000 | ₹21,99,311 | ₹37,59,311 |
| 14 | ₹16,80,000 | ₹26,84,180 | ₹43,64,180 |
| 15 | ₹18,00,000 | ₹32,45,760 | ₹50,45,760 |
| 16 | ₹19,20,000 | ₹38,93,782 | ₹58,13,782 |
| 17 | ₹20,40,000 | ₹46,39,208 | ₹66,79,208 |
| 18 | ₹21,60,000 | ₹54,94,392 | ₹76,54,392 |
| 19 | ₹22,80,000 | ₹64,73,254 | ₹87,53,254 |
| 20 | ₹24,00,000 | ₹75,91,479 | ₹99,91,479 |
Frequently asked questions
How much will a ₹10,000 SIP be worth in 10 years?
About ₹23.23L at 12% a year, from ₹12L invested. At 10% it would be ₹20.66L.
How much will a ₹10,000 SIP be worth in 20 years?
About ₹99.91L at 12% a year. Raising the SIP by 10% every year takes it to about ₹1.99Cr.
How long does a ₹10,000 SIP take to reach ₹1 crore?
About 20 years 1 month at 12% a year, if you keep investing every month.