₹10,000 Monthly SIP Calculator — Corpus Projection — FY 2026-27
Calculate corpus on a ₹10,000 monthly SIP — the single most common SIP amount for Indian salaried professionals. Standard assumptions: 12% annual return (diversified equity median), 20-year horizon. At this template, corpus = ₹1 crore on a total invested of ₹24 L. Adjust rate / tenure to see your specific scenario.
SIP inputs
- Final corpus
- ₹98.93 L
- Total invested
- ₹24.00 L
- Total returns
- ₹74.93 L
- CAGR
- 7.34%
Year-by-year build-up
| Year | Invested this year | Cumulative invested | Year-end corpus | Returns to date |
|---|---|---|---|---|
| Year 1 | ₹1,20,000 | ₹1,20,000 | ₹1,26,825 | ₹6,825 |
| Year 2 | ₹1,20,000 | ₹2,40,000 | ₹2,69,735 | ₹29,735 |
| Year 3 | ₹1,20,000 | ₹3,60,000 | ₹4,30,769 | ₹70,769 |
| Year 4 | ₹1,20,000 | ₹4,80,000 | ₹6,12,226 | ₹1,32,226 |
| Year 5 | ₹1,20,000 | ₹6,00,000 | ₹8,16,697 | ₹2,16,697 |
| Year 6 | ₹1,20,000 | ₹7,20,000 | ₹10,47,099 | ₹3,27,099 |
| Year 7 | ₹1,20,000 | ₹8,40,000 | ₹13,06,723 | ₹4,66,723 |
| Year 8 | ₹1,20,000 | ₹9,60,000 | ₹15,99,273 | ₹6,39,273 |
| Year 9 | ₹1,20,000 | ₹10,80,000 | ₹19,28,926 | ₹8,48,926 |
| Year 10 | ₹1,20,000 | ₹12,00,000 | ₹23,00,387 | ₹11,00,387 |
| Year 11 | ₹1,20,000 | ₹13,20,000 | ₹27,18,959 | ₹13,98,959 |
| Year 12 | ₹1,20,000 | ₹14,40,000 | ₹31,90,616 | ₹17,50,616 |
| Year 13 | ₹1,20,000 | ₹15,60,000 | ₹37,22,091 | ₹21,62,091 |
| Year 14 | ₹1,20,000 | ₹16,80,000 | ₹43,20,970 | ₹26,40,970 |
| Year 15 | ₹1,20,000 | ₹18,00,000 | ₹49,95,802 | ₹31,95,802 |
| Year 16 | ₹1,20,000 | ₹19,20,000 | ₹57,56,220 | ₹38,36,220 |
| Year 17 | ₹1,20,000 | ₹20,40,000 | ₹66,13,078 | ₹45,73,078 |
| Year 18 | ₹1,20,000 | ₹21,60,000 | ₹75,78,606 | ₹54,18,606 |
| Year 19 | ₹1,20,000 | ₹22,80,000 | ₹86,66,588 | ₹63,86,588 |
| Year 20 | ₹1,20,000 | ₹24,00,000 | ₹98,92,554 | ₹74,92,554 |
₹10,000 Monthly SIP Calculator — Corpus Projection — FAQ
What will ₹10,000 SIP become in 10 years?
At 12% annual return over 10 years, ₹10,000 monthly SIP grows to ₹23,23,391 on a total invested of ₹12 L — gain of ₹11.23 L. At 15% (aggressive equity): ₹27.87 L. At 10% (conservative mix): ₹20.65 L. Factor LTCG at 12.5% above ₹1.25 L exemption on redemption.
What will ₹10,000 SIP grow to in 20 years?
At 12% over 20 years: ₹1,00,25,091 (₹1 crore) on total invested ₹24 L. At 15%: ₹1,51,59,550. At 10%: ₹76,57,000. The 20-year mark is where most SIP trajectories cross ₹1 crore with a ₹10K SIP — this is why retirement-planning advisors use ₹10K / 20yr as the default example.
Is ₹10,000 monthly SIP enough for retirement?
Depends on starting age + target corpus. Starting at 25 for 35 years at 12% = ₹6.44 crore — very comfortable retirement corpus for most households. Starting at 35 for 25 years = ₹1.9 crore — moderate; works if expenses are controlled. Starting at 45 for 15 years = ₹50 L — insufficient; ramp up to ₹30-40K SIP if possible.
₹10,000 SIP with 10% step-up — what corpus?
Starting ₹10K SIP with 10%/year step-up, at 12% return over 20 years: corpus = ₹1.88 crore on total invested ₹68.7 L (vs ₹1 crore on ₹24 L for flat SIP). The step-up adds ₹88 L in corpus. Essential if your income is growing — a flat ₹10K SIP becomes a tiny fraction of income over 20 years.
Can I start a ₹10,000 SIP online?
Yes — via direct mutual-fund websites (e.g., Zerodha Coin, Groww, Paytm Money, ET Money, Kuvera) or AMFI-registered platforms. Process: PAN + Aadhaar KYC (video/OTP-based, 10 minutes), link bank account, select fund, set up monthly auto-debit (NACH mandate). Entire flow takes 30-60 minutes; first SIP debit on next mandate date (typically 5th / 10th of month).
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