10000 SIP for 10 Years

Investing ₹10,000 monthly in a Systematic Investment Plan (SIP) for 10 years can be a game-changer in wealth creation. With SIPs, you benefit from compounding and rupee cost averaging, making them a preferred choice for long-term goals. Let’s explore how your investment grows across large-cap, mid-cap, and small-cap funds, based on historical average returns.

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 10000 SIP for 10 Years

These examples illustrate how the SIP plans meet diverse needs of individuals whether it’s securing a peaceful retirement, funding entrepreneurial ventures, or achieving lifestyle milestones. By customising investments to their goals and risk appetites, individuals like Ramesh, Priya, and Aman showcase how systematic planning can turn dreams into reality.

Example 1: Large-Cap Fund

Ramesh, a 40-year-old government employee, wants to build a secure retirement corpus. He chooses a large-cap fund, known for stability, offering 10% annual returns.

Monthly SIP Amount: ₹10,000
Investment Period: 10 years
Fund Type: Large Cap
Annualised Returns: 10% CAGR

Scenario:

Ramesh starts his SIP at age 40. By the time he turns 50, his investment grows to approximately ₹20.65 lakhs, helping him achieve his retirement goal of a stress-free financial future.

Using the SIP return calculator, the calculation will be:

Investment: ₹12L

Returns: ₹8.15L

Total Corpus: ₹20.1L

Example 2: Mid-Cap Fund

Priya, a 30-year-old marketing professional, dreams of starting her own boutique after 10 years. She invests in a mid-cap fund with 12% annual returns, balancing growth and risk.

Monthly SIP Amount: ₹10,000
Investment Period: 10 years
Fund Type: Mid Cap
Annualised Returns: 12% CAGR

Scenario:

At 40, Priya’s SIP matures, giving her a corpus of ₹23.23 lakhs. She uses the money as seed capital for her boutique, turning her passion into a thriving business.

Using the SIP calculator, the calculation will be:

Investment: ₹12L

Returns: ₹10.4L

Total Corpus: ₹22.4L

Example 3: Small-Cap Fund

Aman, a 25-year-old software engineer, is willing to take risks for higher rewards. He invests in a small-cap fund, which offers 15% annual returns.

Monthly SIP Amount: ₹10,000
Investment Period: 10 years
Fund Type: Small Cap
Annualised Returns: 15% CAGR

Scenario:

By age 35, Aman’s investment grew to ₹27.89 lakhs, helping him buy a luxury car and invest in another high-growth opportunity.

Using the SIP calculator, the calculation will be:

Investment: ₹12L

Returns: ₹14.3L

Total Corpus: ₹26.3L

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)

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

Buying the Dip Results in Higher Returns

Cost of Delay Calculator

Start early, gain more

Monthly SIP Amount

/Month

Invest For (in Years)

Years

Stay Invested For (in Years)

Years

Expected return

% Annually

If you start SIP after (in Months)

Months

Due to the delay of 10 Months

Your Target Wealth will reduce by 13.3%.

With loss of ₹13,87,249

Start TodayDelayed Start

Invest Now

Insurance Companies
Mutual Funds

Fund Name	5 Years	7 Years	10 Years
	Returns
High Growth Fund Max Life Rating	27.23%	19.49%	17.86% View Plan
Top 200 Fund Tata AIA Rating	31.71%	20.36%	17.65% View Plan
Accelerator Mid-Cap Fund II Bajaj Allianz Rating	24.9%	11.6%	13.7% View Plan
Opportunities Fund HDFC Standard Rating	26.28%	13.21%	14.29% View Plan
Equity II Fund Canara HSBC Oriental Bank Rating	21.15%	10.32%	9.16% View Plan
Grow Money Plus Fund Bharti AXA Rating	21.55%	13.76%	13.69% View Plan
Multiplier Birla Sun Life Rating	27.52%	12.37%	14.94% View Plan
Opportunities Fund ICICI Prudential Rating	24.05%	12.78%	11.87% View Plan
Flexi Growth Fund LIC Rating	-	-	- View Plan
Virtue II PNB Metlife Rating	23.2%	17.21%	15.2% View Plan

Fund rating powered by

Last updated: Mar 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: Mar 2025

Compare more funds

Why Should You Start Investing Today?

The power of SIPs lies in their simplicity, flexibility, and potential to grow your wealth over time. Starting today, even with a modest monthly amount like ₹10,000, can create a substantial corpus for your future goals. The earlier you begin, the more time your investments have to compound, maximizing returns and reducing the impact of market fluctuations. Whether you prioritize stability with large-cap funds, balance with mid-caps, or growth with small-caps, starting now ensures you’re one step closer to financial independence.

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FAQs

What are the potential benefits of investing ₹10,000 per month in an SIP for 10 years?
- Power of Compounding: Over 10 years, the power of compounding can significantly grow your investments.
- Rupee Cost Averaging: By investing consistently, you buy more units when the market is down and fewer when it's high, averaging out your purchase price.
- Discipline and Consistency: SIPs encourage disciplined saving and investing habits.
- Goal Achievement: SIPs can help you achieve long-term financial goals like buying a house, funding your child's education, or retirement.
What are the potential risks involved?
- Market Volatility: Equity markets can fluctuate significantly, leading to potential losses in the short term.
- Inflation Risk: Inflation can erode the purchasing power of your returns.
- Selection Risk: Choosing the wrong mutual fund can impact your returns.
- Liquidity Risk: In some cases, it may be difficult to withdraw your money quickly.
What factors should I consider when choosing an SIP?
- Investment Goals: Define your financial goals (e.g., retirement, buying a house).
- Risk Tolerance: Assess your ability to withstand market fluctuations.
- Investment Horizon: 10 years is a long-term horizon, which allows you to consider equity-oriented funds.
- Fund Selection: Research and choose funds based on their past performance, expense ratios, and investment objectives.
- Consult with a Financial Advisor: Seek professional guidance to make informed investment decisions.
How can I track my SIP investments?
- Most mutual fund companies provide online platforms and mobile apps for tracking your investments.
- You can also use third-party investment tracking tools.
Can I withdraw money from my SIP before 10 years?

Yes, you can usually withdraw money from your SIP at any time. However, you may incur exit loads or penalties depending on the fund and the withdrawal period.
What are the different types of SIPs?
- Regular SIP: The most common type is where you invest a fixed amount at regular intervals.
- Top-up SIP: You increase your investment amount periodically.
- Flexi SIP: You can vary the investment amount based on your cash flow.
- Step-up SIP: You increase your investment amount by a fixed percentage or amount at regular intervals.