10000 SIP for 10 Years

Investing ₹10,000 monthly in a Systematic Investment Plan (SIP) for 10 years can be a game-changer in wealth creation. With SIPs, you benefit from compounding and rupee cost averaging, making them a preferred choice for long-term goals. Let’s explore how your investment grows across large-cap, mid-cap, and small-cap funds, based on historical average returns.

SIP Plan Benefits

Start SIP with as low as ₹1000

No hidden charges

Save upto ₹46,800 in Taxunder section 80C^{^}

Zero LTCG Tax^¶

Disciplined & worry-free investing

Examples of 10000 SIP for 10 Years

These examples illustrate how the SIP plans meet diverse needs of individuals whether it’s securing a peaceful retirement, funding entrepreneurial ventures, or achieving lifestyle milestones. By customising investments to their goals and risk appetites, individuals like Ramesh, Priya, and Aman showcase how systematic planning can turn dreams into reality.

Example 1: Large-Cap Fund

Ramesh, a 40-year-old government employee, wants to build a secure retirement corpus. He chooses a large-cap fund, known for stability, offering 10% annual returns.

Monthly SIP Amount: ₹10,000
Investment Period: 10 years
Fund Type: Large Cap
Annualised Returns: 10% CAGR

Scenario:

Ramesh starts his SIP at age 40. By the time he turns 50, his investment grows to approximately ₹20.65 lakhs, helping him achieve his retirement goal of a stress-free financial future.

Using the SIP return calculator, the calculation will be:

Investment: ₹12L

Returns: ₹8.15L

Total Corpus: ₹20.1L

Example 2: Mid-Cap Fund

Priya, a 30-year-old marketing professional, dreams of starting her own boutique after 10 years. She invests in a mid-cap fund with 12% annual returns, balancing growth and risk.

Monthly SIP Amount: ₹10,000
Investment Period: 10 years
Fund Type: Mid Cap
Annualised Returns: 12% CAGR

Scenario:

At 40, Priya’s SIP matures, giving her a corpus of ₹23.23 lakhs. She uses the money as seed capital for her boutique, turning her passion into a thriving business.

Using the SIP calculator, the calculation will be:

Investment: ₹12L

Returns: ₹10.4L

Total Corpus: ₹22.4L

Example 3: Small-Cap Fund

Aman, a 25-year-old software engineer, is willing to take risks for higher rewards. He invests in a small-cap fund, which offers 15% annual returns.

Monthly SIP Amount: ₹10,000
Investment Period: 10 years
Fund Type: Small Cap
Annualised Returns: 15% CAGR

Scenario:

By age 35, Aman’s investment grew to ₹27.89 lakhs, helping him buy a luxury car and invest in another high-growth opportunity.

Using the SIP calculator, the calculation will be:

Investment: ₹12L

Returns: ₹14.3L

Total Corpus: ₹26.3L

SIP Calculator

I know my investment amount I know my goal amount

Monthly SIP Yearly SIP Lumpsum

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

Years

Expected return Pro Tip

Top 25% of investors consistently generate more than 12% return

% Annually

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

Expected return Pro Tip

Top 25% of investors consistently generate more than 12% return

% Annually

Monthly Investment ₹22.4 L

View Plans

Top Funds with High Returns (Past 7 Years)

12.61%

Equity Pension

16.14%

Global Equity Index Funds Strategy

17.8%

High Growth Fund

15.5%

Pension India Consumption Fund

20.59%

Multi Cap Fund

14.53%

Accelerator Mid-Cap Fund II

15.97%

Multiplier

14.37%

Frontline Equity Fund

18.41%

Pension Mid Cap Fund

10.83%

Equity II Fund

13.87%

US Equity Fund

14.72%

Growth Opportunities Plus Fund

11.61%

Equity Top 250 Fund

13.74%

Future Apex Fund

11.47%

Pension Dynamic Equity Fund

14.02%

Accelerator Fund

Buying the Dip Results in Higher Returns

Best SIP Funds

Tax Saving Funds Large Cap Low Return Funds Mid Cap Mid Return Funds Multi Cap Debt Funds Shariah Funds Balanced Funds

Payment Mode

Invest

₹ 10,000

Invest for

High Growth Fund

AUM (Cr)

₹10,929

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 29.3 22.69 17.8 %

View Fund

Instant tax receipt

Large Cap Equity Fund

AUM (Cr)

₹2,606

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 21.7 17.74 16 %

View Fund

Instant tax receipt

Virtue II

AUM (Cr)

₹3,292

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 20.75 17.7 15.24 %

View Fund

Instant tax receipt

Opportunities Fund

AUM (Cr)

₹35,507

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 21.66 16.54 14.75 %

View Fund

Instant tax receipt

Accelerator Mid-Cap Fund II

AUM (Cr)

₹5,476

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 20.84 14.57 14.53 %

View Fund

Instant tax receipt

Grow Money Plus Fund

AUM (Cr)

₹426

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 17.55 15.42 14.53 %

View Fund

Instant tax receipt

Frontline Equity Fund

AUM (Cr)

₹4,466

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 20.36 16.66 14.37 %

View Fund

Instant tax receipt

Diversified Equity Fund

AUM (Cr)

₹3,538

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 17.15 14.76 14.05 %

View Fund

Instant tax receipt

Accelerator Fund

AUM (Cr)

₹232

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 20.22 16.57 14.02 %

View Fund

Instant tax receipt

Future Apex Fund

AUM (Cr)

₹108

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 20.17 16.28 13.74 %

View Fund

Instant tax receipt

Large Cap Equity Fund

AUM (Cr)

₹2,606

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 21.7 17.74 16 %

View Fund

Virtue II

AUM (Cr)

₹3,292

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 20.75 17.7 15.24 %

View Fund

Grow Money Plus Fund

AUM (Cr)

₹426

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 17.55 15.42 14.53 %

View Fund

Frontline Equity Fund

AUM (Cr)

₹4,466

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 20.36 16.66 14.37 %

View Fund

Diversified Equity Fund

AUM (Cr)

₹3,538

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 17.15 14.76 14.05 %

View Fund

Accelerator Fund

AUM (Cr)

₹232

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 20.22 16.57 14.02 %

View Fund

Future Apex Fund

AUM (Cr)

₹108

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 20.17 16.28 13.74 %

View Fund

Pure Stock Fund

AUM (Cr)

₹7,238

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 17.44 14.55 13.55 %

View Fund

Pure Equity

AUM (Cr)

₹2,922

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 17.48 14.65 13.33 %

View Fund

Growth Super Fund

AUM (Cr)

₹12,581

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 17.3 14.28 13.17 %

View Fund

High Growth Fund

AUM (Cr)

₹10,929

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 29.3 22.69 17.8 %

View Fund

Opportunities Fund

AUM (Cr)

₹35,507

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 21.66 16.54 14.75 %

View Fund

Accelerator Mid-Cap Fund II

AUM (Cr)

₹5,476

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 20.84 14.57 14.53 %

View Fund

Multi Cap Fund

AUM (Cr)

₹8,754

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 25.46 22.63 20.59 %

View Fund

Pension India Consumption Fund

AUM (Cr)

₹9

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 20.5 15.5 %

View Fund

Growth Opportunities Plus Fund

AUM (Cr)

₹1,006

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 19.33 16.07 14.72 %

View Fund

Classic Opportunities Fund

AUM (Cr)

₹13,497

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 18.64 15.36 13.45 %

View Fund

Flexi Cap

AUM (Cr)

₹1,104

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 19.15 14.8 12.78 %

View Fund

Equity Top 250 Fund

AUM (Cr)

₹523

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 16.82 13.68 11.61 %

View Fund

Asset Allocation

AUM (Cr)

₹264

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 10.24 11.09 10.87 %

View Fund

Whole Life Income Fund

AUM (Cr)

₹823

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 6.01 7.68 7.57 %

View Fund

Debt Fund

AUM (Cr)

₹480

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 5.66 7.87 7.41 %

View Fund

Individual Preserver Pension Fund

AUM (Cr)

₹151

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 5.47 7.32 7.22 %

View Fund

Bond Fund

AUM (Cr)

₹122

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 6.01 7.13 7.14 %

View Fund

Steady Money Fund

AUM (Cr)

₹76

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 5.56 7.26 7.11 %

View Fund

Dynamic Gilt Fund

AUM (Cr)

₹189

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 4.91 7.05 6.97 %

View Fund

Bond Fund

AUM (Cr)

₹18,605

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 5.48 7.17 6.94 %

View Fund

Income Fund

AUM (Cr)

₹7,201

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 5.04 6.92 6.93 %

View Fund

Debt Fund

AUM (Cr)

₹91

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 5.42 7.3 6.9 %

View Fund

Whole Life Aggressive Growth Fund

AUM (Cr)

₹883

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 19.55 17.32 15.48 %

View Fund

Balanced Fund

AUM (Cr)

₹354

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 13.21 11.91 10.65 %

View Fund

Pension Growth

AUM (Cr)

₹228

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 13.26 11.69 10.47 %

View Fund

Save N Grow Money Fund

AUM (Cr)

₹64

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 10.95 10.47 10.17 %

View Fund

Balanced Fund

AUM (Cr)

₹5,437

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 12.24 10.98 10.11 %

View Fund

Creator

AUM (Cr)

₹478

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 11.11 10.65 10.07 %

View Fund

Balanced Fund

AUM (Cr)

₹22,111

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 10.98 10.62 10 %

View Fund

Balancer II

AUM (Cr)

₹821

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 12.24 10.92 9.88 %

View Fund

Asset Allocation Fund II

AUM (Cr)

₹278

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 12.08 10.57 9.88 %

View Fund

Multi Cap Balanced Fund

AUM (Cr)

₹1,915

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 12.76 10.7 9.68 %

View Fund

Super Select Equity Fund

AUM (Cr)

₹1,295

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 18.4 15.02 13.82 %

View Fund

Pure Stock Fund

AUM (Cr)

₹7,238

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 17.81 14.65 13.62 %

View Fund

Pure Equity

AUM (Cr)

₹2,922

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 17.76 14.72 13.34 %

View Fund

Why Should You Start Investing Today?

The power of SIPs lies in their simplicity, flexibility, and potential to grow your wealth over time. Starting today, even with a modest monthly amount like ₹10,000, can create a substantial corpus for your future goals. The earlier you begin, the more time your investments have to compound, maximizing returns and reducing the impact of market fluctuations. Whether you prioritize stability with large-cap funds, balance with mid-caps, or growth with small-caps, starting now ensures you’re one step closer to financial independence.

Insurance Companies
Mutual Funds

Fund Name	5 Years	7 Years	10 Years
	Returns
Equity Fund SBI Life Rating	16.44%	13.57%	11.99% View Plan
Global Equity Index Funds Strategy HDFC Life Rating	15.72%	-	16.14% View Plan
High Growth Fund Axis Max Life Rating	29.3%	22.69%	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	25.46%	22.63%	20.59% View Plan
Accelerator Mid-Cap Fund II Bajaj Life Rating	20.84%	14.57%	14.53% View Plan
Multiplier Birla Sun Life Rating	23.48%	16.95%	15.97% View Plan
Pension Mid Cap Fund PNB MetLife Rating	31.41%	24.68%	18.41% View Plan
Equity II Fund Canara HSBC Life Rating	16.09%	12.05%	10.83% View Plan
US Equity Fund Star Union Dai-ichi Life Rating	14.69%	-	13.87% View Plan

Fund rating powered by

Last updated: Oct 2025

Compare more funds

Fund Name	3 Years	5 Years	10 Years
	Returns
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

Compare more funds

FAQs

What are the potential benefits of investing ₹10,000 per month in an SIP for 10 years?
- Power of Compounding: Over 10 years, the power of compounding can significantly grow your investments.
- Rupee Cost Averaging: By investing consistently, you buy more units when the market is down and fewer when it's high, averaging out your purchase price.
- Discipline and Consistency: SIPs encourage disciplined saving and investing habits.
- Goal Achievement: SIPs can help you achieve long-term financial goals like buying a house, funding your child's education, or retirement.
What are the potential risks involved?
- Market Volatility: Equity markets can fluctuate significantly, leading to potential losses in the short term.
- Inflation Risk: Inflation can erode the purchasing power of your returns.
- Selection Risk: Choosing the wrong mutual fund can impact your returns.
- Liquidity Risk: In some cases, it may be difficult to withdraw your money quickly.
What factors should I consider when choosing an SIP?
- Investment Goals: Define your financial goals (e.g., retirement, buying a house).
- Risk Tolerance: Assess your ability to withstand market fluctuations.
- Investment Horizon: 10 years is a long-term horizon, which allows you to consider equity-oriented funds.
- Fund Selection: Research and choose funds based on their past performance, expense ratios, and investment objectives.
- Consult with a Financial Advisor: Seek professional guidance to make informed investment decisions.
How can I track my SIP investments?
- Most mutual fund companies provide online platforms and mobile apps for tracking your investments.
- You can also use third-party investment tracking tools.
Can I withdraw money from my SIP before 10 years?

Yes, you can usually withdraw money from your SIP at any time. However, you may incur exit loads or penalties depending on the fund and the withdrawal period.
What are the different types of SIPs?
- Regular SIP: The most common type is where you invest a fixed amount at regular intervals.
- Top-up SIP: You increase your investment amount periodically.
- Flexi SIP: You can vary the investment amount based on your cash flow.
- Step-up SIP: You increase your investment amount by a fixed percentage or amount at regular intervals.

10000 SIP for 10 Years

Examples of 10000 SIP for 10 Years

Example 1: Large-Cap Fund

Example 2: Mid-Cap Fund

Example 3: Small-Cap Fund

SIP Calculator

Best SIP Funds

Why Should You Start Investing Today?

FAQs

What are the potential benefits of investing ₹10,000 per month in an SIP for 10 years?

What are the potential risks involved?

What factors should I consider when choosing an SIP?

How can I track my SIP investments?

Can I withdraw money from my SIP before 10 years?

What are the different types of SIPs?

SIP plans articles

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