10000 SIP for 25 years

Ramesh Pillai, a 40 year old Data Scientist from Dehradun, is exploring mid cap funds through a Systematic Investment Plan (SIP). By investing ₹10000 per month over 25 years , Ramesh Pillai aims to leverage the power of compounding. With an estimated annual return of around 14%, Ramesh Pillai's monthly SIP could accumulate a total corpus of approximately ₹2.34 Cr over 25 years . If he invests yearly for 25 years , this amounts to a corpus of about ₹2.49 Cr, while a one-time lump sum investment for the same period could potentially grow to ₹7.94 Cr . These figures highlight the growth opportunities available through disciplined SIP investing.

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

Example for 10000 SIP for 25 years

Monthly Investment: ₹10000
Duration: 25 years
Investment Categories: Small Cap (16%), Mid Cap (14%), Large Cap (12%)

SIP Investment Breakdown by Fund Type

Small Cap Investment (16% Annual Return)

Using the SIP calculator and assuming return of 16% (annually). We will get:

Monthly SIP:
- Monthly Investment: ₹10000
- Duration: 25 years
- Expected Annual Rate of Return: 16%
- Fund Type: Small Cap
- Total Investment: ₹30 L
- Total Returns: ₹2.94 Cr
- Total Corpus: ₹3.24 Cr
Yearly SIP:

If you invest 1.2 L yearly for 25 years , you will get:
- Yearly Investment: ₹1.2 L
- Duration: 25 years
- Expected Annual Rate of Return: 16%
- Fund Type: Small Cap
- Total Investment: ₹30 L
- Total Returns: ₹3.17 Cr
- Total Corpus: ₹3.47 Cr
Lumpsum Investment:
- Lumpsum Investment = ₹30 L
- Duration: 25 years
- Expected Annual Rate of Return: 16%
- Fund Type: Small Cap
- Total Investment: ₹30 L
- Total Returns: ₹11.96 Cr
- Total Corpus: ₹12.26 Cr

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 ₹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

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)

12.96%

Equity Pension

15.49%

Global Equity Index Funds Strategy

19.1%

Pension Growth Super

13.16%

Opportunities Fund

20.89%

Multi Cap Fund

14.15%

Accelerator Mid-Cap Fund II

15.54%

Multiplier

14.63%

Frontline Equity Fund

18.41%

Pension Mid Cap Fund

11.16%

Equity II Fund

14.8%

US Equity Fund

15.03%

Growth Opportunities Plus Fund

11.66%

Equity Top 250 Fund

14.03%

Future Apex Fund

12.01%

Pension Dynamic Equity Fund

14.38%

Pension Enhanced Equity

Mid-Cap Investment (14% Annual Return)

Using the SIP calculator and assuming return of 14% (annually). We will get:

Monthly SIP:
- Monthly Investment: ₹10000
- Duration: 25 years
- Expected Annual Rate of Return: 14%
- Fund Type: Mid Cap
- Total Investment: ₹30 L
- Total Returns: ₹2.04 Cr
- Total Corpus: ₹2.34 Cr
Yearly SIP:

If you invest 1.2 L lumpsum for 25 years , you will get:
- Yearly Investment: ₹1.2 L
- Duration: 25 years
- Expected Annual Rate of Return: 14%
- Fund Type: Mid Cap
- Total Investment: ₹30 L
- Total Returns: ₹2.19 Cr
- Total Corpus: ₹2.49 Cr
Lumpsum Investment:
- Total Investment = ₹30 L
- Duration: 25 years
- Expected Annual Rate of Return: 14%
- Fund Type: Mid Cap
- Total Investment: ₹30 L
- Total Returns: ₹7.64 Cr
- Total Corpus: ₹7.94 Cr

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)

₹12,085

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 26.3 21.96 19.07 %

View Fund

Instant tax receipt

Large Cap Equity Fund

AUM (Cr)

₹2,771

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 17 17.47 15.8 %

View Fund

Instant tax receipt

Virtue II

AUM (Cr)

₹3,352

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 17.67 17.2 15.3 %

View Fund

Instant tax receipt

Grow Money Plus Fund

AUM (Cr)

₹448

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 14.6 14.98 14.87 %

View Fund

Instant tax receipt

Opportunities Fund

AUM (Cr)

₹36,958

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 20.53 15.85 14.72 %

View Fund

Instant tax receipt

Frontline Equity Fund

AUM (Cr)

₹4,767

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 17.03 16.06 14.63 %

View Fund

Instant tax receipt

Accelerator Fund

AUM (Cr)

₹237

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 17.4 16.11 14.34 %

View Fund

Instant tax receipt

Diversified Equity Fund

AUM (Cr)

₹3,688

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 14.2 14.35 14.18 %

View Fund

Instant tax receipt

Accelerator Mid-Cap Fund II

AUM (Cr)

₹5,748

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 17.1 14.15 14.15 %

View Fund

Instant tax receipt

Future Apex Fund

AUM (Cr)

₹113

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 16.1 15.74 14.03 %

View Fund

Instant tax receipt

Large Cap Equity Fund

AUM (Cr)

₹2,771

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 17 17.47 15.8 %

View Fund

Virtue II

AUM (Cr)

₹3,352

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 17.67 17.2 15.3 %

View Fund

Grow Money Plus Fund

AUM (Cr)

₹448

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 14.6 14.98 14.87 %

View Fund

Frontline Equity Fund

AUM (Cr)

₹4,767

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 17.03 16.06 14.63 %

View Fund

Accelerator Fund

AUM (Cr)

₹237

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 17.4 16.11 14.34 %

View Fund

Diversified Equity Fund

AUM (Cr)

₹3,688

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 14.2 14.35 14.18 %

View Fund

Future Apex Fund

AUM (Cr)

₹113

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 16.1 15.74 14.03 %

View Fund

Growth Super Fund

AUM (Cr)

₹13,252

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 14.17 13.84 13.4 %

View Fund

Bluechip Equity Fund

AUM (Cr)

₹1,033

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 14.51 14.11 13.22 %

View Fund

Super 20

AUM (Cr)

₹2,224

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 13.32 13.66 13.07 %

View Fund

High Growth Fund

AUM (Cr)

₹12,085

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 26.3 21.96 19.07 %

View Fund

Opportunities Fund

AUM (Cr)

₹36,958

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 20.53 15.85 14.72 %

View Fund

Accelerator Mid-Cap Fund II

AUM (Cr)

₹5,748

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 17.1 14.15 14.15 %

View Fund

Multi Cap Fund

AUM (Cr)

₹9,602

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 29 23.3 20.89 %

View Fund

Growth Opportunities Plus Fund

AUM (Cr)

₹1,051

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 16.06 15.72 15.03 %

View Fund

Classic Opportunities Fund

AUM (Cr)

₹14,008

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 15.41 14.73 13.63 %

View Fund

Opportunities Fund

AUM (Cr)

₹3,621

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 16.18 14.67 13.16 %

View Fund

Flexi Cap

AUM (Cr)

₹1,145

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 16.03 14.59 13.08 %

View Fund

Equity Top 250 Fund

AUM (Cr)

₹542

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 13.72 12.92 11.66 %

View Fund

Asset Allocation

AUM (Cr)

₹268

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 9.68 10.77 11.09 %

View Fund

Whole Life Income Fund

AUM (Cr)

₹818

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 5.72 7.35 7.58 %

View Fund

Debt Fund

AUM (Cr)

₹506

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 5.45 7.53 7.43 %

View Fund

Steady Money Fund

AUM (Cr)

₹73

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 5.45 6.97 7.12 %

View Fund

Bond Fund

AUM (Cr)

₹119

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 5.87 6.95 7.11 %

View Fund

Dynamic Gilt Fund

AUM (Cr)

₹184

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 4.64 6.57 7.01 %

View Fund

Debt Fund

AUM (Cr)

₹92

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 5.29 6.98 6.95 %

View Fund

Bond Fund

AUM (Cr)

₹18,103

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 5.31 6.83 6.94 %

View Fund

Secure Fund

AUM (Cr)

₹1,026

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 5.74 6.8 6.91 %

View Fund

Bond Fund

AUM (Cr)

₹1,663

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 5.25 6.51 6.79 %

View Fund

Whole Life Aggressive Growth Fund

AUM (Cr)

₹931

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 16.91 16.88 15.72 %

View Fund

Balanced Fund

AUM (Cr)

₹367

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 11.41 11.43 10.81 %

View Fund

Balanced Fund

AUM (Cr)

₹5,476

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 10.31 10.64 10.45 %

View Fund

Save N Grow Money Fund

AUM (Cr)

₹67

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 9.59 10.07 10.31 %

View Fund

Creator

AUM (Cr)

₹482

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 9.78 10.35 10.31 %

View Fund

Balanced Fund

AUM (Cr)

₹22,439

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 9.45 10.29 10.16 %

View Fund

Asset Allocation Fund II

AUM (Cr)

₹281

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 10.56 10.44 10.14 %

View Fund

Balancer II

AUM (Cr)

₹835

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 10.65 10.75 10.08 %

View Fund

Growth Fund

AUM (Cr)

₹7,398

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 10.2 10.4 9.93 %

View Fund

Multi Cap Balanced Fund

AUM (Cr)

₹1,914

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 11.06 10.33 9.7 %

View Fund

Super Select Equity Fund

AUM (Cr)

₹1,309

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 15.94 14.56 13.98 %

View Fund

Pure Stock Fund

AUM (Cr)

₹7,449

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 16.39 14.66 13.73 %

View Fund

Pure Equity

AUM (Cr)

₹3,075

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 15.52 13.99 13.26 %

View Fund

Large Cap Investment (12% Annual Return)

Using the SIP calculator and assuming return of 12% (annually). We will get:

Monthly SIP:
- Monthly: ₹10000
- Duration: 25 years
- Expected Annual Rate of Return: 12%
- Fund Type: Large Cap
- Investment: ₹30 L
- Returns: ₹1.4 Cr
- Total Corpus: ₹1.7 Cr
Yearly SIP:

If you invest 1.2 L lumpsum for 25 years , you will get:
- Investment: ₹30 L
- Duration: 25 years
- Expected Annual Rate of Return: 12%
- Fund Type: Large Cap
- Total Investment: ₹30 L
- Returns: ₹1.49 Cr
- Total Corpus: ₹1.79 Cr
Lumpsum Investment:
- Total Investment = ₹30 L
- Duration: 25 years
- Expected Annual Rate of Return: 12%
- Fund Type: Large Cap
- Total Investment: ₹30 L
- Total Returns: ₹4.8 Cr
- Total Corpus: ₹5.1 Cr

Insurance Companies
Mutual Funds

Fund Name	5 Years	7 Years	10 Years
	Returns
Equity Fund SBI Life Rating	13.42%	13.12%	12.32% View Plan
Opportunities Fund HDFC Life Rating	20.53%	15.85%	14.72% View Plan
High Growth Fund Axis Max Life Rating	26.3%	21.96%	19.07% View Plan
Opportunities Fund ICICI Prudential Life Rating	16.18%	14.67%	13.16% View Plan
Multi Cap Fund Tata AIA Life Rating	29%	23.3%	20.89% View Plan
Accelerator Mid-Cap Fund II Bajaj Life Rating	17.1%	14.15%	14.15% View Plan
Multiplier Birla Sun Life Rating	18.88%	16.17%	15.54% View Plan
Pension Mid Cap Fund PNB MetLife Rating	31.41%	24.68%	18.41% View Plan
Equity II Fund Canara HSBC Life Rating	13.11%	11.58%	11.16% View Plan
US Equity Fund Star Union Dai-ichi Life Rating	15.2%	-	14.8% View Plan

Fund rating powered by

Last updated: Nov 2025

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%

Last updated: Nov 2025

Compare more funds

Calculate your SIP

Market Linked Insurance Plan vs Others Equity Investments

FAQs

What is the total amount I will invest in 25 years with a ₹10000 monthly SIP?

If you will invest monthly 10000 sip for 25 years :
Amount = 10000

Investment Duration = 25 years

Total corpus will be ₹10000 × 12 months × 25 years = ₹30 L

The magic happens through compounding and long-term growth, turning this into much higher values depending on the fund type and returns.
How does the final corpus differ between small cap, mid cap, and large cap funds?

Assuming average returns:
Small Cap Fund (16%): Final corpus = ₹3.24 Cr

Mid Cap Fund (14%): Final corpus = ₹2.34 Cr

Large Cap Fund (12%): Final corpus = ₹1.7 Cr

These examples show how even a small change in return percentage can make a big difference over 25 years .
How much profit will I actually make from a 10000 monthly SIP for 25 years ?

Subtracting your total investment of ₹30 L:
Small Cap: Profit ~₹3.24 Cr - ₹30 L = ₹2.94 Cr

Mid Cap: Profit ~₹2.34 Cr - ₹30 L = ₹2.04 Cr

Large Cap: Profit ~₹1.7 Cr - ₹30 L = ₹1.4 Cr
How much can I expect to earn if I invest ₹10000 per month for 25 years ?

The return depends on the type of fund and the expected annual return:
Small Cap (16%): ~₹3.24 Cr

Mid Cap (14%): ~₹2.34 Cr

Large Cap (12%): ~₹1.7 Cr

These are estimates and actual returns can vary based on market conditions.

10000 SIP for 25 years

Example for 10000 SIP for 25 years

SIP Investment Breakdown by Fund Type

Small Cap Investment (16% Annual Return)

Monthly SIP:

Yearly SIP:

Lumpsum Investment:

Mid-Cap Investment (14% Annual Return)

Monthly SIP:

Yearly SIP:

Lumpsum Investment:

Best SIP Funds

Large Cap Investment (12% Annual Return)

Monthly SIP:

Yearly SIP:

Lumpsum Investment:

Explore More Under 10000 SIP

FAQs

What is the total amount I will invest in 25 years with a ₹10000 monthly SIP?

How does the final corpus differ between small cap, mid cap, and large cap funds?

How much profit will I actually make from a 10000 monthly SIP for 25 years ?

How much can I expect to earn if I invest ₹10000 per month for 25 years ?

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