10000 SIP for 1 Year

Investing ₹10,000 monthly in a Systematic Investment Plan (SIP) for a year is an excellent way to dip your toes into the world of investing. While one year is a relatively short duration, SIPs can still help you accumulate a small corpus and experience the benefits of disciplined investing.

SIP Plan Benefits

Start SIP with as low as ₹1000

No hidden charges

Save upto ₹46,800 in Taxunder section 80C^{^}

Zero LTCG Tax^¶

Disciplined & worry-free investing

Examples of ₹10,000 SIP for 1 Year

Over 12 months, your investment grows based on the best sip plan and type of mutual fund you choose. Below are some examples of potential outcomes:

Example 1: Large-Cap Fund

Scenario: Akash, a 30-year-old professional, invests in a stable large-cap fund for predictable growth.
Monthly SIP Amount: ₹10,000
Investment Period: 1 year
Fund Type: Large Cap
Annualised Returns: 12% CAGR (Estimated)

Outcome: Akash’s total investment of ₹1.2 lakhs could grow to approximately ₹1.28 lakhs, offering steady returns with minimal risk.

Example 2: Mid-Cap Fund

Scenario: Neha, a 28-year-old entrepreneur, wants higher returns in the short term and invests in a mid-cap fund.
Monthly SIP Amount: ₹10,000
Investment Period: 1 year
Fund Type: Mid Cap
Annualised Returns: 14% CAGR (Estimated)

Outcome: Neha’s total investment of ₹1.2 lakhs could grow to around ₹1.29 lakhs (calculated using online sip calculator), balancing moderate risk with potential growth.

Example 3: Small-Cap Fund

Scenario: Rohan, a 25-year-old investor, is willing to take higher risks for better returns and chooses a small-cap fund.
Monthly SIP Amount: ₹10,000
Investment Period: 1 year
Fund Type: Small Cap
Annualised Returns: 16% CAGR (Estimated)

Outcome: Rohan’s total investment of ₹1.2 lakhs could grow to approximately ₹1.3 lakhs, leveraging higher market volatility for greater returns.

SIP Calculator

I know my investment amount I know my goal amount

Monthly SIP Yearly SIP Lumpsum

I want to invest Pro Tip

Financial experts suggest that a person should invest 10-15% of their monthly income for long-term financial growth

/Month

I want to invest for Pro Tip

Financial experts suggest that individuals should ideally invest for a period of 5 to 10 years, or even longer, to maximize the benefits of compounding and navigate market fluctuations effectively

Years

Expected return Pro Tip

Top 25% of investors consistently generate more than 12% return

% Annually

Total Wealth ₹22.4 L

View Plans

I want to save

I want to invest for Pro Tip

Financial experts suggest that individuals should ideally invest for a period of 5 to 10 years, or even longer, to maximize the benefits of compounding and navigate market fluctuations effectively

Years

Expected return Pro Tip

Top 25% of investors consistently generate more than 12% return

% Annually

Monthly Investment ₹22.4 L

View Plans

Top Funds with High Returns (Past 7 Years)

16.4%

High Growth Fund

16.77%

Top 200 Fund

13.2%

Accelerator Mid-Cap Fund II

13.33%

Opportunities Fund

8.64%

Equity II Fund

11.62%

Accelerator Fund

12.67%

Grow Money Plus Fund

14.04%

Multiplier

10.82%

Equity Top 250 Fund

11.19%

Future Apex Fund

10.97%

Opportunities Fund

12.76%

Frontline Equity Fund

14.2%

Virtue II

9.39%

Pension Dynamic Equity Fund

10.45%

Equity Fund

9.07%

Blue-Chip Equity Fund

Insurance Companies
Mutual Funds

Fund Name	5 Years	7 Years	10 Years
	Returns
High Growth Fund Max Life Rating	24.84%	18.57%	16.4% View Plan
Top 200 Fund Tata AIA Rating	24.04%	20.03%	16.77% View Plan
Accelerator Mid-Cap Fund II Bajaj Allianz Rating	17.43%	10.73%	13.2% View Plan
Opportunities Fund HDFC Standard Rating	17.56%	12.29%	13.33% View Plan
Equity II Fund Canara HSBC Oriental Bank Rating	11.56%	9.27%	8.64% View Plan
Grow Money Plus Fund Bharti AXA Rating	15.75%	13.48%	12.67% View Plan
Multiplier Birla Sun Life Rating	18.22%	11.28%	14.04% View Plan
Opportunities Fund ICICI Prudential Rating	15.71%	11.97%	10.97% View Plan
Flexi Growth Fund LIC Rating	-	-	- View Plan
Virtue II PNB Metlife Rating	20.71%	15.98%	14.2% View Plan

Fund rating powered by

Last updated: Feb 2025

Compare more funds

Fund Name	3 Years	5 Years	10 Years
	Returns
Active Fund QUANT	23.92%	31.48%	21.87%
Flexi Cap Fund PARAG PARIKH	20.69%	26.41%	19.28%
Large and Mid-Cap Fund EDELWEISS	22.34%	24.29%	17.94%
Equity Opportunities Fund KOTAK	24.64%	25.01%	19.45%
Large and Midcap Fund MIRAE ASSET	19.74%	24.32%	22.50%
Flexi Cap Fund PGIM INDIA	14.75%	23.39%	-
Flexi Cap Fund DSP	18.41%	22.33%	16.91%
Emerging Equities Fund CANARA ROBECO	20.05%	21.80%	15.92%
Focused fund SUNDARAM	18.27%	18.22%	16.55%

Last updated: Feb 2025

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˜Top 5 plans based on annualized premium, for bookings made in the first 6 months of FY 24-25. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. This list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. For a complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website, www.irdai.gov.in

Why Consider a ₹10,000 SIP for 1 Year?

Short-Term Savings: It’s an excellent choice for creating a small, liquid fund for near-term goals.
Experience Investing: Understand how mutual funds work and assess your risk tolerance.
Flexibility: Withdraw or reinvest after 1 year based on your financial needs.
Diversification: SIPs allow you to invest in diverse portfolios, reducing the impact of market volatility.

Start An Sip Today Watch Your Money Grow

FAQs

Can I start a ₹10,000 SIP for less than a year?

Yes, you can start a SIP for any duration, including less than a year. However, shorter durations may limit the impact of compounding and rupee-cost averaging.
Is there a lock-in period for a 1-year SIP?

Most mutual funds don’t have a lock-in period, so you can withdraw your investment anytime. However, ELSS funds have a 3-year lock-in period.
What happens if I stop my SIP before 1 year?

If you stop your SIP, your invested amount stays in the fund and continues to grow. However, consistently investing ensures you benefit from market fluctuations and discipline.
Can I change my SIP date during the investment period?

Yes, you can change your SIP date by contacting your fund house or through your investment platform.
Are SIP investments better than one-time investments for 1 year?

For short-term investments like 1 year, a one-time lump sum may offer slightly better returns in a rising market. However, SIPs reduce the risk of market volatility by spreading investments over time.
Are there any charges for starting a ₹10,000 SIP?

Most fund houses don’t charge fees to start a SIP. However, some funds may have expense ratios or exit loads if you withdraw early.
Can I pause my SIP temporarily?

Yes, many fund houses allow you to pause your SIP for a few months. You can resume it later without starting a new SIP.
What should I consider before starting a ₹10,000 SIP for 1 year?
Consider the following before investing:
- Your financial goals
- Fund type and risk level
- Tax implications
- Expense ratios and exit load charges
Which type of fund is best for a 1-year SIP?

For a 1-year SIP, debt funds or liquid funds are better options as they are less volatile. Equity funds are more suitable for long-term investments.
Can I reinvest my SIP after 1 year?

Yes, after the 1-year period, you can either reinvest in the same fund or choose a new fund based on your financial goals. Reinvesting helps you grow your wealth further.