SIP Calculator: ₹1,000 Per Month for 10 Years at 12% CAGR
A ₹1,000 monthly SIP is ideal for students, interns, and early career professionals starting their investment journey. Over 10 years at 12% CAGR, this page illustrates how disciplined micro-investing creates substantial wealth.
Direct Summary: SIP Calculator: ₹1,000 Per Month for 10 Years at 12% CAGR
A ₹1,000 monthly SIP is ideal for students, interns, and early career professionals starting their investment journey. Over 10 years at 12% CAGR, this page illustrates how disciplined micro-investing creates substantial wealth.
- Key Takeaway: Depositing just ₹1.20 Lakh over 10 years grows into approximately ₹2.32 Lakh — nearly doubling your money.
- Key Rule: Monthly SIP: ₹1,000
- Key Rule: Annual expected return: 12% p.a. (illustrative equity benchmark)
Depositing just ₹1.20 Lakh over 10 years grows into approximately ₹2.32 Lakh — nearly doubling your money.
Use our free interactive tool to adjust inputs, change tenure, or test tax regimes in real-time.
How This Calculation Works
A Systematic Investment Plan (SIP) enables regular monthly investing into market-linked mutual funds. By investing on a fixed date each month, you benefit from Rupee Cost Averaging — accumulating more units when markets dip and fewer units when markets rise. Compounding returns multiply your wealth exponentially as tenure lengthens.
SIP Compounding Wealth Accumulation Schedule
| Period | Annual Deposit | Cumulative Principal | Annual Growth Gain | Cumulative Returns | Year-End Corpus |
|---|---|---|---|---|---|
| Year 1 | ₹12,000.00 | ₹12,000.00 | +₹809.00 | ₹809.00 | ₹12,809.00 |
| Year 2 | ₹12,000.00 | ₹24,000.00 | +₹2,434.00 | ₹3,243.00 | ₹27,243.00 |
| Year 3 | ₹12,000.00 | ₹36,000.00 | +₹4,264.00 | ₹7,508.00 | ₹43,508.00 |
| Year 4 | ₹12,000.00 | ₹48,000.00 | +₹6,327.00 | ₹13,835.00 | ₹61,835.00 |
| Year 5 | ₹12,000.00 | ₹60,000.00 | +₹8,652.00 | ₹22,486.00 | ₹82,486.00 |
| Year 6 | ₹12,000.00 | ₹72,000.00 | +₹11,271.00 | ₹33,757.00 | ₹1,05,757.00 |
| Year 7 | ₹12,000.00 | ₹84,000.00 | +₹14,222.00 | ₹47,979.00 | ₹1,31,979.00 |
| Year 8 | ₹12,000.00 | ₹96,000.00 | +₹17,548.00 | ₹65,527.00 | ₹1,61,527.00 |
| Year 9 | ₹12,000.00 | ₹1,08,000.00 | +₹21,295.00 | ₹86,822.00 | ₹1,94,822.00 |
| Year 10 | ₹12,000.00 | ₹1,20,000.00 | +₹25,518.00 | ₹1,12,339.00 | ₹2,32,339.00 |
| Total (10 Years) | — | ₹1,20,000.00 | 1.94× Multiple | +₹1,12,339.08 | ₹2,32,339.08 |
Calculation Assumptions
- Monthly SIP: ₹1,000
- Annual expected return: 12% p.a. (illustrative equity benchmark)
- Tenure: 10 years (120 monthly deposits)
Typical Calculation Scenario
Calculation based on target inputs: monthlyInvestment=1000, annualRate=12, years=10
Important Statutory & Regulatory Notes
- •Illustrative Benchmark: Mutual funds are market-linked instruments. Past performance (e.g. 12% p.a. historical equity benchmark) does not guarantee future returns.
- •SEBI Regulatory Notice: Mutual fund investments are subject to market risks; read all scheme related documents carefully.
- •Taxation of Gains: Equity mutual fund Long-Term Capital Gains (LTCG) above ₹1.25 Lakh per financial year are taxed at 12.5% (Finance Act 2024). Short-term gains (<=12 months) are taxed at 20%.
- •Inflation Consideration: For long horizons (15–30 years), factor in real post-inflation purchasing power.
Frequently Asked Questions
What is the return for ₹1,000 monthly SIP for 10 years?
Total investment is ₹1,20,000 and estimated maturity corpus is approximately ₹2,32,339 at 12% return.