₹10,000 SIP for 20 Years — What It Grows Into
Invest ₹10,000 every month for 20 years and you put in ₹24.0 L — at a 12% annual return that becomes roughly ₹99.9 L, of which ₹75.9 L is compounding doing the work. Step the SIP up 10% a year as your income grows and the same plan builds about ₹1.99 Cr instead. The sliders below start at these numbers — drag them to make the plan yours.
| Annual return | Invested | Est. gains | Total corpus |
|---|---|---|---|
| 10% | ₹24.0 L | ₹52.6 L | ₹76.6 L |
| 12% | ₹24.0 L | ₹75.9 L | ₹99.9 L |
| 14% | ₹24.0 L | ₹1.08 Cr | ₹1.32 Cr |
Assumes returns compound monthly at a constant rate — real market returns vary year to year. Projection, not a promise; not investment advice.
Want to see what this SIP would have actually returned in a real fund, year by real year? The main SIP calculator's backtest mode replays it through any top-scoring Indian fund's calendar-year returns.
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FundLens is a research tool, not a SEBI-registered investment adviser; nothing here is a recommendation to buy or sell. Figures assume returns compound monthly at a constant rate — real market returns vary year to year, and past returns don't guarantee future results.