Monthly SIP returns
₹1,000 SIP for 10 Years — Maturity Value and Returns
A ₹1,000 monthly SIP held for 10 years grows to about ₹2.32 lakh at a 12% annual return. You will have paid in ₹1.20 lakh of your own money, so about ₹1.12 lakh of the final corpus is pure return.
Maturity value at 12%
₹2.32 lakh
₹1.20 lakh invested + ₹1.12 lakh growth over 10 years
Total invested
₹1.20 lakh
Wealth gained
₹1.12 lakh
At 10% return
₹2.07 lakh
At 15% return
₹2.79 lakh
Worth in today money
₹1.30 lakh
With 10% yearly step-up
₹3.37 lakh
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Open the full SIP calculator and run your own amount, rate and tenure.
Year-by-year growth of a ₹1,000 monthly SIP at 12%
| Year | Invested | Value | Gain | Gain % |
|---|---|---|---|---|
| 1 | ₹12,000 | ₹12,809 | ₹809 | 6.7% |
| 2 | ₹24,000 | ₹27,243 | ₹3,243 | 13.5% |
| 3 | ₹36,000 | ₹43,508 | ₹7,508 | 20.9% |
| 4 | ₹48,000 | ₹61,835 | ₹13,835 | 28.8% |
| 5 | ₹60,000 | ₹82,486 | ₹22,486 | 37.5% |
| 6 | ₹72,000 | ₹1,05,757 | ₹33,757 | 46.9% |
| 7 | ₹84,000 | ₹1,31,979 | ₹47,979 | 57.1% |
| 8 | ₹96,000 | ₹1,61,527 | ₹65,527 | 68.3% |
| 9 | ₹1,08,000 | ₹1,94,822 | ₹86,822 | 80.4% |
| 10 | ₹1,20,000 | ₹2,32,339 | ₹1,12,339 | 93.6% |
Same SIP at different return rates
| Annual return | Corpus after 10 years | Gain over invested |
|---|---|---|
| 8% | ₹1,84,166 | ₹64,166 |
| 10% | ₹2,06,552 | ₹86,552 |
| 12% | ₹2,32,339 | ₹1,12,339 |
| 14% | ₹2,62,091 | ₹1,42,091 |
| 15% | ₹2,78,657 | ₹1,58,657 |
What ₹2.32 lakh is actually worth in 2036
Nominal numbers flatter long horizons. At 6% average inflation, the ₹2.32 lakh you receive after 10 years has the purchasing power of about ₹1.30 lakh in today's money. That is still comfortably ahead of the ₹1.20 lakh you put in, but it is the figure you should plan a real-world goal around.
This is the single biggest reason a ₹1,000 SIP that looks adequate on paper can fall short of an actual goal 10 years out. Always check the inflation-adjusted column before deciding the amount is enough.
Why a step-up beats a flat ₹1,000
Keeping the SIP frozen at ₹1,000 for 10 years assumes your income never rises. Increasing it by just 10% a year — roughly a normal appraisal — takes the same plan to about ₹3.37 lakh, which is 45.2% more without ever feeling like a bigger sacrifice.
Most fund houses let you set this up once as a "step-up SIP" or "top-up SIP" mandate so it happens automatically every April.
Equity SIP versus the same money in a deposit
Putting ₹1,000 a month into a 7% recurring deposit for the same 10 years would end at roughly ₹1.74 lakh — before tax. Deposit interest is taxed at your slab rate, so a 30%-bracket saver keeps closer to ₹1.55 lakh.
Equity returns are not guaranteed and a 10-year window can contain long flat stretches. The trade-off is the point: you accept volatility in exchange for an expected ₹58,245 of extra corpus.
Frequently Asked Questions
How much will I get if I invest ₹1,000 per month for 10 years?
At a 12% annual return you would accumulate about ₹2.32 lakh — ₹1.20 lakh of contributions plus ₹1.12 lakh of growth. At a more conservative 10% it is ₹2.07 lakh, and at 15% it is ₹2.79 lakh.
Is ₹1,000 a month enough for 10 years?
It depends on the goal, not the amount. ₹2.32 lakh nominal is roughly ₹1.30 lakh in today's purchasing power after 10 years of 6% inflation. Compare that against what your goal actually costs today and increase the SIP if there is a gap.
What return rate should I assume for a 10-year SIP?
For diversified equity funds, 12% is the conventional planning assumption and 10% is the conservative one. Indian equity indices have delivered roughly 11-13% over long rolling periods, but no rate is guaranteed. Plan with 10-12% and treat anything above as a bonus.
Will I pay tax on this ₹1,000 SIP?
Equity mutual fund gains held over a year are long-term capital gains, taxed at 12.5% above the ₹1.25 lakh annual exemption. Because SIP units are bought monthly, each instalment has its own holding period, so redeem oldest-first to stay long-term.
Can I stop or pause a SIP midway?
Yes. SIPs have no lock-in except in ELSS funds, which lock each instalment for three years. You can pause, reduce or stop at any time without penalty, and existing units keep compounding.
Related calculations
₹500 SIP for 5 years
Maturity value at 12%: ₹41,243
₹500 SIP for 10 years
Maturity value at 12%: ₹1.16 lakh
₹500 SIP for 15 years
Maturity value at 12%: ₹2.52 lakh
₹500 SIP for 20 years
Maturity value at 12%: ₹5.00 lakh
₹500 SIP for 25 years
Maturity value at 12%: ₹9.49 lakh
₹1,000 SIP for 5 years
Maturity value at 12%: ₹82,486
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Figures are mathematical projections based on the stated assumptions. Market-linked returns are not guaranteed. This is educational information, not investment advice.