SIP Calculator for ₹1,000 per Month
₹1,000/month is where most first-time Indian mutual fund investors begin their SIP journey. Here's how your ₹1,000 monthly SIP grows over different time periods.
₹1,000/month · 10 years · 12% p.a.
₹2.32 L
Invested: ₹1.20 L · Gains: ₹1.12 L
Returns at Different Annual Rates (10 Years)
| Return Rate | Invested | Wealth Gained | Total Corpus |
|---|---|---|---|
| 10% (Conservative) | ₹1.20 L | ₹86,552 | ₹2.07 L |
| 12% (Moderate) | ₹1.20 L | ₹1.12 L | ₹2.32 L |
| 15% (Optimistic) | ₹1.20 L | ₹1.59 L | ₹2.79 L |
Estimates only. Past performance does not guarantee future returns.
₹1,000/Month SIP — Year-by-Year Growth
| Years | Invested | At 10% | At 12% | At 15% |
|---|---|---|---|---|
| 5 yrs | ₹60,000 | ₹78,082 | ₹82,486 | ₹89,682 |
| 10 yrs ★ | ₹1.20 L | ₹2.07 L | ₹2.32 L | ₹2.79 L |
| 15 yrs | ₹1.80 L | ₹4.18 L | ₹5.05 L | ₹6.77 L |
| 20 yrs | ₹2.40 L | ₹7.66 L | ₹9.99 L | ₹15.16 L |
| 25 yrs | ₹3.00 L | ₹13.38 L | ₹18.98 L | ₹32.84 L |
| 30 yrs | ₹3.60 L | ₹22.79 L | ₹35.30 L | ₹70.10 L |
★ marks your selected tenure above.
Frequently Asked Questions
How much corpus will ₹1,000/month SIP build in 20 years?
At 12% annual returns, ₹1,000/month for 20 years grows to approximately ₹9.99 lakhs. Total invested is ₹2.4 lakhs, and the wealth gained purely from returns is ₹7.59 lakhs — showing the power of long-term compounding.
Can ₹1,000/month SIP make me a crorepati?
Yes, but it requires time. At 12% returns, ₹1,000/month takes approximately 35 years to cross ₹1 crore. Starting early is the key — the same SIP invested for 40 years grows to over ₹3 crores.
Should I increase my SIP from ₹1,000 over time?
Yes. Using a Step-Up SIP where you increase the amount by 10% every year dramatically boosts your final corpus. Many mutual fund apps allow automatic step-up options.
Calculate with Your Own Numbers
Use our interactive SIP calculator to model any monthly amount, return rate, and tenure.
Open Interactive SIP Calculator →