Examples of ₹20,000 SIP for 10 Years
These examples highlight how individuals with unique aspirations—retirement, business ventures, or lifestyle upgrades—used SIPs to achieve their goals.
Example 1: Large-Cap Fund
Ravi, a 40-year-old banker, wants to secure a stress-free retirement. He chooses a large-cap fund offering 10% annual returns, focusing on stability and consistent performance.
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Monthly SIP Amount: ₹20,000
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Investment Period: 10 years
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Fund Type: Large Cap
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Annualised Returns: 10% CAGR
Scenario:By the time Ravi retires at 50, his investment will grow to approximately ₹40.3 lakhs, creating a substantial retirement fund.
Using the SIP calculator, the calculation is as follows:
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Investment: ₹24,00,000
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Returns: ₹16.3L
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Total Corpus: ₹40.3L
Example 2: Mid-Cap Fund
Kavya, a 30-year-old designer, dreams of expanding her boutique into a global brand within 10 years. She invests in a mid-cap fund, which balances risk and growth, offering 12% annual returns.
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Monthly SIP Amount: ₹20,000
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Investment Period: 10 years
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Fund Type: Mid Cap
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Annualised Returns: 12% CAGR
Scenario:At 40, Kavya’s SIP matures to approximately ₹46.46 lakhs, enabling her to launch her global boutique successfully.
Using the SIP calculator, the calculation is as follows:
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Investment: ₹24,00,000
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Returns: ₹22,46,000
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Total Corpus: ₹46,46,000
Example 3: Small-Cap Fund
Siddharth, a 25-year-old tech enthusiast, wants to build a significant corpus for a high-risk, high-reward startup idea. He invests in a small-cap fund known for higher returns, offering 15% annual returns.
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Monthly SIP Amount: ₹20,000
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Investment Period: 10 years
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Fund Type: Small Cap
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Annualised Returns: 15% CAGR
Scenario:By 35, Siddharth’s investment grew to an impressive ₹55.78 lakhs, giving him the capital to turn his startup vision into reality.
Using the SIP calculator, the calculation is as follows:
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Investment: ₹24,00,000
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Returns: ₹31,78,000
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Total Corpus: ₹55,78,000
SIP Calculator
Monthly Investment
₹22.4 L
Top Funds with High Returns (Past 7 Years)
12.4%
Equity Pension
16.14%
Global Equity Index Funds Strategy
17.8%
High Growth Fund
15.5%
Pension India Consumption Fund
20.55%
Multi Cap Fund
14.29%
Accelerator Mid-Cap Fund II
15.52%
Multiplier
14.14%
Frontline Equity Fund
18.41%
Pension Mid Cap Fund
10.66%
Equity II Fund
13.87%
US Equity Fund
14.47%
Growth Opportunities Plus Fund
11.51%
Equity Top 250 Fund
13.36%
Future Apex Fund
11.25%
Pension Dynamic Equity Fund
13.72%
Accelerator Fund
Why Should You Start Investing Today?
Starting your ₹20,000 SIP today can significantly improve your financial future. SIPs allow disciplined investment, provide flexibility, and reduce market risks through rupee cost averaging. Whether you aim for a secure retirement, business growth, or wealth creation, investing now maximizes your potential returns through the power of compounding. Don’t wait—start today to secure tomorrow!
- Insurance Companies
- Mutual Funds
|
Returns |
| Fund Name |
5 Years |
7 Years |
10 Years |
| SBI Life |
15.69% |
13.54% |
|
| HDFC Life |
21.94% |
16.64% |
|
| Axis Max Life |
29.3% |
22.69% |
|
| ICICI Prudential Life |
20.5% |
- |
|
| Tata AIA Life |
26.25% |
23.01% |
|
| Bajaj Life |
20.95% |
14.46% |
|
| Birla Sun Life |
22.96% |
16.85% |
|
| PNB MetLife |
34.5% |
- |
|
| Canara HSBC Life |
16.67% |
12.43% |
|
| Star Union Dai-ichi Life |
14.69% |
- |
|
Fund rating powered by
Last updated: Sep 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% |
|
Last updated: August 2025
