What ₹1,000 a month can grow to
A SIP of ₹1,000 a month for 20 years at 12% could grow to ₹9.99 lakh, from ₹2.4 lakh that you put in. Returns are not guaranteed; the table shows a cautious, a middle and an optimistic rate.
| Period | You invest | At 10% | At 12% | At 14% |
|---|---|---|---|---|
| 5 years | ₹60,000 | ₹78,082 | ₹82,486 | ₹87,201 |
| 10 years | ₹1,20,000 | ₹2.07 lakh | ₹2.32 lakh | ₹2.62 lakh |
| 15 years | ₹1,80,000 | ₹4.18 lakh | ₹5.05 lakh | ₹6.13 lakh |
| 20 years | ₹2,40,000 | ₹7.66 lakh | ₹9.99 lakh | ₹13.16 lakh |
| 25 years | ₹3,00,000 | ₹13.38 lakh | ₹18.98 lakh | ₹27.27 lakh |
| 30 years | ₹3,60,000 | ₹22.79 lakh | ₹35.3 lakh | ₹55.57 lakh |
How long to reach ₹1 crore?
At 12% a year, ₹1,000 a month reaches ₹1 crore in about 39 years. With a 10% step-up every year, it gets there in about 31 years.
Change the amount, return or add a step-up in the SIP calculator.
Questions people ask
What is the return on a ₹1,000 SIP for 10 years?
At 12% a year, about ₹2.32 lakh from ₹1.2 lakh invested. At 10% it is ₹2.07 lakh.