Examples of 10000 SIP for 10 Years
These examples illustrate how the SIP plans meet the 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
Scenario: 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
- Using the SIP return calculator, the calculation will be:
- Investment: ₹12L
- Returns: ₹8.14L
- Total Corpus: ₹20.14L
Example 2: Mid-Cap Fund
Scenario: 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
- Using the SIP calculator, the calculation will be:
- Investment: ₹12L
- Returns: ₹10.4L
- Total Corpus: ₹22.4L
Example 3: Small-Cap Fund
Scenario: 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
- Using the SIP calculator, the calculation will be:
- Investment: ₹12L
- Returns: ₹14.3L
- Total Corpus: ₹26.3L
SIP Calculator
Monthly Investment
₹22.4 L
Top Funds with High Returns (Past 7 Years)
13.49%
Equity Pension
15.9%
Opportunities Fund
18.4%
High Growth Fund
18.03%
US Growth Fund
21.25%
Multi Cap Fund
14.79%
Accelerator Mid-Cap Fund II
15.9%
Multiplier
15.29%
Frontline Equity Fund
18.41%
Pension Mid Cap Fund
11.79%
Growth Plus Fund
14.6%
US Equity Fund
15.78%
Growth Opportunities Plus Fund
12.4%
Equity Top 250 Fund
14.67%
Future Apex Fund
12.64%
Pension Dynamic Equity Fund
14.92%
Pension Enhanced Equity
How Your ₹10000 SIP Corpus Grows Over 10 Years?
The following table allows you to compare how different realistic annual returns affect the 10-year SIP corpus, making it easy to plan based on your risk tolerance:
| Year |
Total Invested (₹) |
Corpus at 10% p.a. (₹) |
Corpus at 12% p.a. (₹) |
Corpus at 15% p.a. (₹) |
Notes |
| 1 |
1,20,000 |
1,26,405 |
1,27,665 |
1,29,542 |
Compounding starts; corpus slightly higher than invested amount. |
| 3 |
3,60,000 |
4,18,402 |
4,30,793 |
4,49,834 |
Growth visible; compounding accelerates. |
| 5 |
6,00,000 |
7,71717 |
8,11,036 |
8,73,421 |
Corpus nearly 1.5x the invested amount (at 15%). |
| 7 |
8,40,000 |
11,99,229 |
13,64,946 |
14,33,614 |
Growth accelerates significantly; long-term advantage. |
| 10 |
12,00,000 |
20,14,576 |
23,11,831 |
26,30,182 |
Compounding peaks; wealth multiplies 2–2.3x (10–15% return). |
Recommended Fund Types to Invest ₹10000 Per Month for 10 Years
Investing all your money in a single fund or fund type can be a risky strategy. Spreading your investment across different types of funds helps balance risk and growth. The following points recommend the appropriate fund types to invest your money in a chosen best SIP plan and why they matter:
- Large-Cap or Index Funds: These funds invest in well-established companies. They are more stable and less volatile, acting as an anchor for your portfolio.
- Mid-Cap Funds: These funds invest in medium-sized companies. They offer good growth potential and historically deliver higher returns over 8–12 years, providing a balanced risk-reward.
- Small-Cap or Aggressive/High-Growth Funds: These funds can give very high returns over a long period but come with higher risk. They suit investors with a higher risk appetite.
- Flexi-Cap or Multi-Cap Funds: These funds invest across large, mid, and small companies. Their flexible allocation automatically diversifies your portfolio.
- Hybrid or Balanced Funds: These combine equity and debt investments. They reduce volatility and are suitable for moderate risk tolerance or if your goal is nearer.
- ELSS / Tax-Saver Funds: These funds help save taxes while offering long-term growth, provided the investment is locked in for at least 3 years.
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.
