₹1,000 SIP per month — what it becomes
What does ₹1,000 SIP a month become in 20 years?
₹9.2 L
At 12% a year. You invest ₹2,40,000; the other ₹6.8 L is growth.
Open in the SIP calculatorValue by time and return
| Years | Invested | At 8% | At 10% | At 12% | At 14.000000000000002% |
|---|---|---|---|---|---|
| 5 | ₹60K | ₹73.4K | ₹77.2K | ₹81.1K | ₹85.2K |
| 10 | ₹1.2 L | ₹1.81 L | ₹2.01 L | ₹2.24 L | ₹2.49 L |
| 15 | ₹1.8 L | ₹3.4 L | ₹4.02 L | ₹4.76 L | ₹5.65 L |
| 20 | ₹2.4 L | ₹5.73 L | ₹7.24 L | ₹9.2 L | ₹11.73 L |
| 25 | ₹3 L | ₹9.15 L | ₹12.43 L | ₹17.02 L | ₹23.45 L |
| 30 | ₹3.6 L | ₹14.18 L | ₹20.79 L | ₹30.81 L | ₹46 L |
Make it yours
Change any number
₹
₹1 thousand
₹
Already invested, or a bonus you’re putting in now — leave 0 if none
%
Equity 10–12% · Hybrid 8–10% · Debt 6–7%. Compounded at 0.949% a month, which makes exactly 12.0% a year.
yrs
%
A step-up in line with salary hikes makes a huge difference
Value after 20 years
₹9,19,857
You invest ₹2,40,000 · gains of ₹6,79,857
How it grows
Your moneyGains
Your money vs the market’s
Multiplied
3.8×
Invested
₹2,40,000
Gains
₹6,79,857
At 12% your money doubles roughly every 6.0 years (the rule of 72). From year 12, gains are bigger than everything you’ve put in.
Questions people ask
What will a ₹1,000 SIP be worth in 10 years?
About ₹2.24 L at 12% a year, from ₹1.2 L invested. At 10% it’s about ₹2.01 L.
How long does a ₹1,000 SIP take to reach ₹1 crore?
About 41 years at 12% a year, without any step-up. With a 10% yearly step-up it gets there much sooner.
What if I increase it every year?
With a 10% step-up each year, ₹1,000 SIP for 20 years at 12% grows to about ₹18.63 L instead of ₹9.2 L.
Are these returns guaranteed?
No. Equity mutual funds have delivered around 10–13% a year over long periods in India, with big swings in between. Use these as planning estimates, not promises.