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.
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Monthly SIP Amount: ₹10,000
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Investment Period: 10 years
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Fund Type: Large Cap
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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.
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Monthly SIP Amount: ₹10,000
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Investment Period: 10 years
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Fund Type: Mid Cap
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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.
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Monthly SIP Amount: ₹10,000
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Investment Period: 10 years
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Fund Type: Small Cap
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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
Monthly Investment
₹22.4 L
Top Funds with High Returns (Past 7 Years)
18.4%
High Growth Fund
17.46%
Top 200 Fund
14.76%
Accelerator Mid-Cap Fund II
14.81%
Opportunities Fund
10.39%
Equity II Fund
13.52%
Accelerator Fund
14.6%
Growth Opportunities Plus Fund
15.6%
Multiplier
11.66%
Equity Top 250 Fund
13.49%
Future Apex Fund
12.61%
Pension Opportunities Fund
14.22%
Frontline Equity Fund
15.14%
Virtue II
11.01%
Pension Dynamic Equity Fund
11.94%
Equity Fund
10.29%
Blue-Chip Equity 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
|
Returns |
| Fund Name |
5 Years |
7 Years |
10 Years |
| Max Life |
27.23% |
22.19% |
|
| Tata AIA |
30.96% |
22.84% |
|
| Bajaj Allianz |
23.63% |
13.87% |
|
| HDFC Standard |
25.19% |
15.94% |
|
| Canara HSBC Oriental Bank |
19.43% |
11.22% |
|
| Bharti AXA |
23.07% |
15.89% |
|
| Birla Sun Life |
26.07% |
15.44% |
|
| ICICI Prudential |
23.04% |
14.48% |
|
| LIC |
- |
- |
|
| PNB Metlife |
24.23% |
17.63% |
|
Fund rating powered by
Last updated: Jun 2025
| |
Returns |
| Fund Name |
3 Years |
5 Years |
10 Years |
| QUANT |
23.92% |
31.48% |
|
| PARAG PARIKH |
20.69% |
26.41% |
|
| EDELWEISS |
22.34% |
24.29% |
|
| KOTAK |
24.64% |
25.01% |
|
| MIRAE ASSET |
19.74% |
24.32% |
|
| PGIM INDIA |
14.75% |
23.39% |
|
| DSP |
18.41% |
22.33% |
|
| CANARA ROBECO |
20.05% |
21.80% |
|
| SUNDARAM |
18.27% |
18.22% |
|
