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
Monthly Investment
₹22.4 L
Top Funds with High Returns (Past 7 Years)
17.86%
High Growth Fund
17.65%
Top 200 Fund
13.7%
Accelerator Mid-Cap Fund II
14.29%
Opportunities Fund
9.16%
Equity II Fund
12.7%
Accelerator Fund
13.69%
Grow Money Plus Fund
14.94%
Multiplier
11.41%
Equity Top 250 Fund
12.58%
Future Apex Fund
11.87%
Opportunities Fund
13.91%
Frontline Equity Fund
15.2%
Virtue II
10.42%
Pension Dynamic Equity Fund
11.81%
Top 300 Fund
9.94%
Blue-Chip Equity Fund
- Insurance Companies
- Mutual Funds
|
Returns |
| Fund Name |
5 Years |
7 Years |
10 Years |
| Max Life |
27.23% |
19.49% |
|
| Tata AIA |
31.71% |
20.36% |
|
| Bajaj Allianz |
24.9% |
11.6% |
|
| HDFC Standard |
26.28% |
13.21% |
|
| Canara HSBC Oriental Bank |
21.15% |
10.32% |
|
| Bharti AXA |
21.55% |
13.76% |
|
| Birla Sun Life |
27.52% |
12.37% |
|
| ICICI Prudential |
24.05% |
12.78% |
|
| LIC |
- |
- |
|
| PNB Metlife |
23.2% |
17.21% |
|
Fund rating powered by
Last updated: Mar 2025
| |
Returns |
| Fund Name |
3 Years |
5 Years |
10 Years |
| QUANT |
23.92% |
31.48% |
|
| PARAG PARIKH |
20.69% |
26.41% |
|
| EDELWEISS |
22.34% |
24.29% |
|
| KOTAK |
24.64% |
25.01% |
|
| MIRAE ASSET |
19.74% |
24.32% |
|
| PGIM INDIA |
14.75% |
23.39% |
|
| DSP |
18.41% |
22.33% |
|
| CANARA ROBECO |
20.05% |
21.80% |
|
| SUNDARAM |
18.27% |
18.22% |
|
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.
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.
