10000 SIP for 1 Year

Investing ₹10,000 monthly in a Systematic Investment Plan (SIP) for a year is an excellent way to dip your toes into the world of investing. While one year is a relatively short duration, SIPs can still help you accumulate a small corpus and experience the benefits of disciplined investing.

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SIP Plan Benefits
Start SIP with as low as ₹1000
Start SIP with as low as ₹1000
No hidden charges
No hidden charges
Save upto ₹46,800 in Tax
Save upto ₹46,800 in Taxunder section 80C^
Zero LTCG Tax
Zero LTCG Tax
Disciplined & worry-free investing
Disciplined & worry-free investing

Examples of ₹10,000 SIP for 1 Year

Over 12 months, your investment grows based on the best sip plan and type of mutual fund you choose. Below are some examples of potential outcomes:

Example 1: Large-Cap Fund

  • Scenario: Akash, a 30-year-old professional, invests in a stable large-cap fund for predictable growth.
  • Monthly SIP Amount: ₹10,000
  • Investment Period: 1 year
  • Fund Type: Large Cap
  • Annualised Returns: 12% CAGR (Estimated)

Outcome: Akash’s total investment of ₹1.2 lakhs could grow to approximately ₹1.28 lakhs, offering steady returns with minimal risk.

Example 2: Mid-Cap Fund

  • Scenario: Neha, a 28-year-old entrepreneur, wants higher returns in the short term and invests in a mid-cap fund.
  • Monthly SIP Amount: ₹10,000
  • Investment Period: 1 year
  • Fund Type: Mid Cap
  • Annualised Returns: 14% CAGR (Estimated)

Outcome: Neha’s total investment of ₹1.2 lakhs could grow to around ₹1.29 lakhs (calculated using online sip calculator), balancing moderate risk with potential growth.

Example 3: Small-Cap Fund

  • Scenario: Rohan, a 25-year-old investor, is willing to take higher risks for better returns and chooses a small-cap fund.
  • Monthly SIP Amount: ₹10,000
  • Investment Period: 1 year
  • Fund Type: Small Cap
  • Annualised Returns: 16% CAGR (Estimated)

Outcome: Rohan’s total investment of ₹1.2 lakhs could grow to approximately ₹1.3 lakhs, leveraging higher market volatility for greater returns.

SIP Calculator

I want to invest Pro Tip
Financial experts suggest that a person should invest 10-15% of their monthly income for long-term financial growth
/Month
I want to invest for Pro Tip
Financial experts suggest that individuals should ideally invest for a period of 5 to 10 years, or even longer, to maximize the benefits of compounding and navigate market fluctuations effectively
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Expected return Pro Tip
Top 25% of investors consistently generate more than 12% return
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Total Wealth ₹1.03 Cr
View Plans
I want to save
I want to invest for Pro Tip
Financial experts suggest that individuals should ideally invest for a period of 5 to 10 years, or even longer, to maximize the benefits of compounding and navigate market fluctuations effectively
Years
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Expected return Pro Tip
Top 25% of investors consistently generate more than 12% return
% Annually
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Monthly Investment ₹22.4 L
View Plans
Top Funds with High Returns (Past 7 Years)
Equity Pension
13.68%
Equity Pension
Global Blue Chip Anchor Strategy
16.3%
Global Blue Chip Anchor Strategy
High Growth Fund
18.4%
High Growth Fund
US Growth Fund
18.03%
US Growth Fund
Multi Cap Fund
21.44%
Multi Cap Fund
Accelerator Mid-Cap Fund II
14.85%
Accelerator Mid-Cap Fund II
Multiplier
15.9%
Multiplier
Frontline Equity Fund
15.36%
Frontline Equity Fund
Pension Mid Cap Fund
18.41%
Pension Mid Cap Fund
Equity II Fund
11.88%
Equity II Fund
US Equity Fund
14.6%
US Equity Fund
Growth Opportunities Plus Fund
15.96%
Growth Opportunities Plus Fund
Equity Top 250 Fund
12.4%
Equity Top 250 Fund
Future Apex Fund
14.8%
Future Apex Fund
Pension Dynamic Equity Fund
12.84%
Pension Dynamic Equity Fund
Accelerator Fund
15.06%
Accelerator Fund

Buying the Dip Results in Higher ReturnsBuying the Dip Results in Higher Returns

  • Insurance Companies
  • Mutual Funds
Returns
Fund Name 5 Years 7 Years 10 Years
Equity Fund SBI Life
Rating
11.64% 12.92%
12.86%
View Plan
Opportunities Fund HDFC Life
Rating
19.5% 16.13%
15.9%
View Plan
High Growth Fund Axis Max Life
Rating
29.43% 23.7%
18.4%
View Plan
US Growth Fund ICICI Prudential Life
Rating
15.25% -
18.03%
View Plan
Multi Cap Fund Tata AIA Life
Rating
29% 23.3%
21.44%
View Plan
Accelerator Mid-Cap Fund II Bajaj Life
Rating
15.21% 14.43%
14.85%
View Plan
Multiplier Birla Sun Life
Rating
19.5% 16.65%
15.9%
View Plan
Pension Mid Cap Fund PNB MetLife
Rating
31.41% 24.68%
18.41%
View Plan
Equity II Fund Canara HSBC Life
Rating
11.39% 11.75%
11.88%
View Plan
US Equity Fund Star Union Dai-ichi Life
Rating
14.54% -
14.6%
View Plan
Fund rating powered by
Last updated: Jan 2026
Compare more funds

Fund Name AUM Return 3 Years Return 5 Years Return 10 Years Minimum Investment Return Since Launch
Motilal Oswal BSE Enhanced Value Index Fund Regular - Growth ₹822.00 Crs 35.31% N/A N/A ₹500 35.07%
Bandhan Small Cap Fund Regular-Growth ₹14,062.19 Crs 29.34% 30.26% N/A ₹1,000 31.59%
Motilal Oswal Midcap Fund Regular-Growth ₹33,608.53 Crs 25.97% 33.24% 17.66% ₹500 22.31%
ICICI Prudential Infrastructure Fund-Growth ₹7,941.20 Crs 28.79% 37.23% 17.14% ₹5,000 15.97%
Canara Robeco Large Cap Fund Regular-Growth ₹16,406.92 Crs 16.08% 17.34% 13.87% ₹100 12.99%
Mirae Asset Large Cap Fund Direct- Growth ₹39,975.32 Crs 14.85% 17.48% 14.46% ₹5,000 16.26%
Kotak Midcap Fund Regular-Growth ₹57,375.20 Crs 22.42% 27.51% 18.07% ₹100 15.26%
SBI Small Cap Fund-Growth ₹35,562.96 Crs 13.89% 23.99% 18.17% ₹5,000 19.25%
SBI Gold ETF ₹8,810.86 Crs 31.81% 17.85% 15.14% ₹5,000 12.57%

Updated as of Jan 2026

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Why Consider a ₹10,000 SIP for 1 Year?

  • Short-Term Savings: It’s an excellent choice for creating a small, liquid fund for near-term goals.
  • Experience Investing: Understand how mutual funds work and assess your risk tolerance.
  • Flexibility: Withdraw or reinvest after 1 year based on your financial needs.
  • Diversification: SIPs allow you to invest in diverse portfolios, reducing the impact of market volatility.
Start An Sip Today Watch Your Money Grow Start An Sip Today Watch Your Money Grow

FAQs

  • Can I start a ₹10,000 SIP for less than a year?

    Yes, you can start a SIP for any duration, including less than a year. However, shorter durations may limit the impact of compounding and rupee-cost averaging.
  • Is there a lock-in period for a 1-year SIP?

    Most mutual funds don’t have a lock-in period, so you can withdraw your investment anytime. However, ELSS funds have a 3-year lock-in period.
  • What happens if I stop my SIP before 1 year?

    If you stop your SIP, your invested amount stays in the fund and continues to grow. However, consistently investing ensures you benefit from market fluctuations and discipline.
  • Can I change my SIP date during the investment period?

    Yes, you can change your SIP date by contacting your fund house or through your investment platform.
  • Are SIP investments better than one-time investments for 1 year?

    For short-term investments like 1 year, a one-time lump sum may offer slightly better returns in a rising market. However, SIPs reduce the risk of market volatility by spreading investments over time.
  • Are there any charges for starting a ₹10,000 SIP?

    Most fund houses don’t charge fees to start a SIP. However, some funds may have expense ratios or exit loads if you withdraw early.
  • Can I pause my SIP temporarily?

    Yes, many fund houses allow you to pause your SIP for a few months. You can resume it later without starting a new SIP.
  • What should I consider before starting a ₹10,000 SIP for 1 year?

    Consider the following before investing:
    • Your financial goals
    • Fund type and risk level
    • Tax implications
    • Expense ratios and exit load charges
  • Which type of fund is best for a 1-year SIP?

    For a 1-year SIP, debt funds or liquid funds are better options as they are less volatile. Equity funds are more suitable for long-term investments.
  • Can I reinvest my SIP after 1 year?

    Yes, after the 1-year period, you can either reinvest in the same fund or choose a new fund based on your financial goals. Reinvesting helps you grow your wealth further.

SIP Hub

˜The insurers/plans mentioned are arranged in order of highest to lowest first year premium (sum of individual single premium and individual non-single premium) offered by Policybazaar’s insurer partners offering life insurance investment plans on our platform, as per ‘first year premium of life insurers as at 31.03.2025 report’ published by IRDAI. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the IRDAI website www.irdai.gov.in
Disclaimer:#The investment risk in the portfolio is borne by the policyholder. Life insurance is available in this product. The maturity amount of Rs 1 Cr. is for a 30 year old healthy individual investing Rs 10,000/- per month for 30 years, with assumed rates of returns @ 8% p.a. that is not guaranteed and is not the upper or lower limits as the value of your policy depends on a number of factors including future investment performance. In Unit Linked Insurance Plans, the investment risk in the investment portfolio is borne by the policyholder and the returns are not guaranteed. Maturity Value: ₹1,05,02,174 @ CAGR 8%; ₹50,45,591 @ CAGR 4%. All SIPs listed here are of insurance companies’ funds. The tax benefits under Section 80C allow a deduction of up to ₹1.5 lakhs from the taxable income per year and 10(10D) tax benefits are for investments made up to ₹2.5 Lakhs/ year for policies bought after 1 Feb 2021. Tax benefits and savings are subject to changes in tax laws.
*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply
^The tax benefits under Section 80C allow a deduction of up to ₹1.5 lakhs from the taxable income per year and 10(10D) tax benefits are for investments made up to ₹2.5 Lakhs/ year for policies bought after 1 Feb 2021. Tax benefits and savings are subject to changes in tax laws.
¶Long-term capital gains (LTCG) tax (12.5%) is exempted on annual premiums up to 2.5 lacs.
++Source - Google Review Rating available on:- http://bit.ly/3J20bXZ
^^The information relating to mutual funds presented in this article is for educational purpose only and is not meant for sale. Investment is subject to market risks and the risk is borne by the investor. Please consult your financial advisor before planning your investments.
**Returns are based on past 10 years’ fund performance data (Fund Data Source: Value Research).

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