Amount invested (blue) and estimated gains (green) · year 1 to 10
Year
Monthly SIP
Invested so far
Estimated value
1
₹10,000
₹1,20,000
₹1,28,093
2
₹10,000
₹2,40,000
₹2,72,432
3
₹10,000
₹3,60,000
₹4,35,076
4
₹10,000
₹4,80,000
₹6,18,348
5
₹10,000
₹6,00,000
₹8,24,864
6
₹10,000
₹7,20,000
₹10,57,570
7
₹10,000
₹8,40,000
₹13,19,790
8
₹10,000
₹9,60,000
₹16,15,266
9
₹10,000
₹10,80,000
₹19,48,215
10
₹10,000
₹12,00,000
₹23,23,391
How SIP returns are estimated
Each instalment is invested at the start of the month and grows at the monthly rate (annual return ÷ 12). Without step-up this is FV = P × ((1 + r)n − 1) ÷ r × (1 + r). With a step-up, the monthly amount rises by that percentage every 12 months.
Mutual fund returns are not fixed. The expected return is an assumption, and real returns vary year to year and can be negative.
Estimates only, not financial advice. Your bank's or fund's actual figures can differ (rounding, fees, taxes, date conventions). Calculated in your browser; nothing you enter is sent anywhere.
