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 ₹22.4 L
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
12.27%
Equity Pension
Global Equity Index Funds Strategy
15.24%
Global Equity Index Funds Strategy
High Growth Fund
17.8%
High Growth Fund
Pension India Consumption Fund
15.5%
Pension India Consumption Fund
Multi Cap Fund
20.49%
Multi Cap Fund
Accelerator Mid-Cap Fund II
14.54%
Accelerator Mid-Cap Fund II
Multiplier
15.5%
Multiplier
Frontline Equity Fund
14.18%
Frontline Equity Fund
Virtue II
14.96%
Virtue II
Equity II Fund
10.63%
Equity II Fund
US Equity Fund
13.87%
US Equity Fund
Growth Opportunities Plus Fund
14.46%
Growth Opportunities Plus Fund
Equity Top 250 Fund
11.37%
Equity Top 250 Fund
Future Apex Fund
13.43%
Future Apex Fund
Pension Dynamic Equity Fund
11.12%
Pension Dynamic Equity Fund
Accelerator Fund
13.62%
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
16.32% 13.65%
11.74%
View Plan
Opportunities Fund HDFC Life
Rating
21.52% 16.49%
14.43%
View Plan
High Growth Fund Axis Max Life
Rating
28.6% 21.1%
17.8%
View Plan
Pension India Consumption Fund ICICI Prudential Life
Rating
20.5% -
15.5%
View Plan
Multi Cap Fund Tata AIA Life
Rating
25.73% 22.88%
20.49%
View Plan
Accelerator Mid-Cap Fund II Bajaj Life
Rating
20.27% 14.36%
14.54%
View Plan
Multiplier Birla Sun Life
Rating
22.46% 16.84%
15.5%
View Plan
Virtue II PNB MetLife
Rating
20.43% 17.64%
14.96%
View Plan
Equity II Fund Canara HSBC Life
Rating
16.05% 12.07%
10.63%
View Plan
US Equity Fund Star Union Dai-ichi Life
Rating
14.69% -
13.87%
View Plan
Fund rating powered by
Last updated: Sep 2025
Compare more funds

  Returns
Fund Name 3 Years 5 Years 10 Years
Active Fund QUANT 23.92% 31.48%
21.87%
Flexi Cap Fund PARAG PARIKH 20.69% 26.41%
19.28%
Large and Mid-Cap Fund EDELWEISS 22.34% 24.29%
17.94%
Equity Opportunities Fund KOTAK 24.64% 25.01%
19.45%
Large and Midcap Fund MIRAE ASSET 19.74% 24.32%
22.50%
Flexi Cap Fund PGIM INDIA 14.75% 23.39%
-
Flexi Cap Fund DSP 18.41% 22.33%
16.91%
Emerging Equities Fund CANARA ROBECO 20.05% 21.80%
15.92%
Focused fund SUNDARAM 18.27% 18.22%
16.55%

Last updated: August 2025

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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

˜Top plans are based on annualized premium, for bookings made through https://www.policybazaar.com in FY 25. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. This list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. For a complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India 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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*under 10(10D)
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