If I invest Rs.1000 per month in SIP for 10 years, how much will I get?

A Rs.1000 monthly SIP for 10 years at 12% p.a. (typical equity mutual fund return) will grow to approximately Rs.2,32,339. Your total investment is Rs.1,20,000 and the wealth gained is Rs.1,12,339. At 15% p.a., the same SIP grows to Rs.2,78,657.

What is the return on Rs.1000 SIP in 5 years?

A Rs.1000 monthly SIP for 5 years at 12% p.a. returns approximately Rs.81,669. Your total investment is Rs.60,000 and the gain is Rs.21,669. At 15% p.a., you get Rs.88,574 on the same investment.

Is Rs.1000 SIP enough to become a crorepati?

A Rs.1000 monthly SIP can reach Rs.1 crore in approximately 35 to 38 years at a 12% annual return. With a 10% annual step-up (increasing SIP by Rs.100 each year), the Rs.1 crore milestone can be reached in approximately 25 to 27 years.

Which is better for Rs.1000 SIP, Equity or Debt mutual fund?

For long-term goals (5 years or more), equity mutual funds (expected 12 to 15% p.a.) are significantly better than debt funds (6 to 8% p.a.). For a 10-year Rs.1000 SIP, equity gives Rs.2,32,339 versus Rs.1,63,879 from debt. For short-term goals under 3 years, debt funds are safer.

How is SIP return calculated?

SIP returns are calculated using the future value of annuity formula: FV = P x [((1 + r)^n - 1) / r] x (1 + r), where P is the monthly SIP amount, r is the monthly return rate (annual rate divided by 12 and by 100), and n is the number of months.

Rs.1000 SIP Returns Calculator 2026 – How Much Will You Get in 1, 3, 5, 10, 15, 20 Years?

₹1000 SIP Returns Calculator (2026) – How Much Will You Get?

🕐 Updated: April 2026 🔒 Free & Instant 📈 All Fund Types Covered

📈 Returns for 1, 3, 5, 10, 15 & 20 Years at Multiple Rates

SIP Returns Calculator

Monthly SIP Amount ₹1,000

Expected Annual Return (% p.a.) 12%

Investment Period (Years) 10 Years

Total Corpus (Maturity Value)

₹2,32,339

Total Amount Invested₹1,20,000

Wealth Gained (Returns)₹1,12,339

Return on Investment93.6%

Every ₹100 you invest becomes ₹193 — your money nearly doubles in 10 years at 12% p.a.

Invested Amount vs Returns

Invested

Returns

What is SIP & How to Use This Calculator

A Systematic Investment Plan (SIP) lets you invest a fixed amount every month in a mutual fund. Each month’s investment buys units at the prevailing NAV — more units when the market is low, fewer when it is high. Over time, this averages your purchase cost (rupee cost averaging) and compounds your wealth significantly.

To use this free SIP returns calculator, enter 3 values:

Monthly SIP Amount — the amount you invest every month (e.g. ₹1,000)
Expected Annual Return — typically 10%–12% for large cap equity, 14%–18% for mid/small cap, 6%–8% for debt funds
Investment Period — 1 to 30 years; longer the period, greater the compounding effect

You get instant results: total corpus, total invested, wealth gained, ROI percentage, and a visual donut chart.

SIP Returns Formula

FV = P × [((1 + r)^n – 1) / r] × (1 + r)

FV = Future Value (Total Corpus)
P = Monthly SIP Amount
r = Monthly Return Rate = Annual Rate ÷ 12 ÷ 100
n = Total Months = Years × 12

Example: ₹1,000/month at 12% p.a. for 10 years
r = 12 ÷ 12 ÷ 100 = 0.01 | n = 120
FV = 1,000 × [((1.01)^120 – 1) / 0.01] × 1.01 = ₹2,32,339
Total Invested = ₹1,000 × 120 = ₹1,20,000
Wealth Gained = ₹2,32,339 – ₹1,20,000 = ₹1,12,339

Note: This formula assumes a constant monthly return. Actual mutual fund returns vary each month and can be negative in short periods. The result is a mathematical projection for planning purposes — not a guarantee.

₹1000 Monthly SIP Returns – Complete Table (2026)

The table below shows exactly how much a ₹1000 monthly SIP grows at different annual return rates and investment durations. Total invested amount is shown alongside the final corpus so you can see the exact wealth gained through compounding.

Duration	Total Invested	@ 10% p.a.	@ 12% p.a.	@ 14% p.a.	@ 15% p.a.	@ 18% p.a.
1 Year	₹12,000	₹12,566	₹12,809	₹12,957	₹13,032	₹13,260
2 Years	₹24,000	₹26,491	₹27,244	₹27,769	₹28,035	₹28,913
3 Years	₹36,000	₹41,902	₹43,508	₹44,623	₹45,195	₹47,088
5 Years	₹60,000	₹77,437	₹81,669	₹85,319	₹88,574	₹95,560
7 Years	₹84,000	₹1,20,864	₹1,30,107	₹1,39,543	₹1,46,624	₹1,66,416
10 Years	₹1,20,000	₹2,06,552	₹2,32,339	₹2,60,548	₹2,78,657	₹3,37,830
12 Years	₹1,44,000	₹2,76,688	₹3,18,867	₹3,65,779	₹3,95,660	₹5,03,450
15 Years	₹1,80,000	₹4,17,924	₹5,02,257	₹6,02,040	₹6,65,838	₹9,19,930
20 Years	₹2,40,000	₹7,59,369	₹9,99,148	₹13,21,893	₹15,17,764	₹24,20,048
25 Years	₹3,00,000	₹13,34,348	₹18,95,013	₹27,09,877	₹32,81,030	₹59,98,204
30 Years	₹3,60,000	₹22,79,325	₹35,29,912	₹55,44,987	₹70,99,493	₹1,49,17,803

*All values calculated using the standard SIP future value formula assuming constant monthly returns. Actual mutual fund returns vary. Past performance is not a guarantee of future returns.

₹1000 SIP Returns by Fund Type (2026)

Different mutual fund categories have different historical return ranges. Select a fund type below to see realistic return expectations for your ₹1000 monthly SIP.

Equity Mutual Funds — Typical historical return: 12%–18% p.a. (large cap: 12–14%; mid cap: 14–16%; small cap: 15–18%). Suitable for goals 5+ years away. High risk, high reward. Returns can be negative in short periods.

Duration	Invested	Large Cap (12%)	Multi Cap (14%)	Mid Cap (15%)	Small Cap (18%)
3 Years	₹36,000	₹43,508	₹44,623	₹45,195	₹47,088
5 Years	₹60,000	₹81,669	₹85,319	₹88,574	₹95,560
10 Years	₹1,20,000	₹2,32,339	₹2,60,548	₹2,78,657	₹3,37,830
15 Years	₹1,80,000	₹5,02,257	₹6,02,040	₹6,65,838	₹9,19,930
20 Years	₹2,40,000	₹9,99,148	₹13,21,893	₹15,17,764	₹24,20,048

ELSS – Equity Linked Savings Scheme — Typical return: 12%–16% p.a. 3-year mandatory lock-in per instalment. Tax deduction up to ₹1.5L under Section 80C (Old Tax Regime only).

Duration	Invested	ELSS @ 12%	ELSS @ 13%	ELSS @ 15%	ELSS @ 16%
3 Years*	₹36,000	₹43,508	₹44,059	₹45,195	₹45,773
5 Years	₹60,000	₹81,669	₹83,471	₹88,574	₹91,111
10 Years	₹1,20,000	₹2,32,339	₹2,46,218	₹2,78,657	₹2,96,014
15 Years	₹1,80,000	₹5,02,257	₹5,49,720	₹6,65,838	₹7,29,001
20 Years	₹2,40,000	₹9,99,148	₹11,50,696	₹15,17,764	₹17,46,009

*3-year lock-in means each SIP instalment is locked for 3 years from its investment date. Not available as deduction under New Tax Regime.

Index Funds & ETFs — Typical return: 11%–14% p.a. Very low expense ratio (0.1%–0.2%). Tracks Nifty 50, Sensex, Nifty Next 50 etc. Best starting point for first-time investors.

Duration	Invested	Nifty 50 (11%)	Sensex (12%)	Nifty Next 50 (13%)	Midcap 150 (14%)
3 Years	₹36,000	₹42,963	₹43,508	₹44,059	₹44,623
5 Years	₹60,000	₹79,522	₹81,669	₹83,471	₹85,319
10 Years	₹1,20,000	₹2,19,497	₹2,32,339	₹2,46,218	₹2,60,548
15 Years	₹1,80,000	₹4,58,040	₹5,02,257	₹5,49,720	₹6,02,040
20 Years	₹2,40,000	₹8,59,166	₹9,99,148	₹11,50,696	₹13,21,893

Nifty 50 index has delivered ~12% CAGR historically over 20-year periods. A 0.1% expense ratio index fund vs 1.5% active fund can save ₹1.5–2 lakhs on a 20-year ₹1000 SIP.

Debt Mutual Funds — Typical return: 6%–8% p.a. Lower risk than equity. Best for short-term goals (1–3 years) or as stable component of a portfolio. Interest taxed as per income slab since Budget 2023.

Duration	Invested	Liquid (6.5%)	Short Duration (7%)	Corporate Bond (7.5%)	Gilt Fund (8%)
1 Year	₹12,000	₹12,428	₹12,463	₹12,497	₹12,531
3 Years	₹36,000	₹39,476	₹39,844	₹40,218	₹40,597
5 Years	₹60,000	₹69,208	₹70,279	₹71,373	₹72,493
10 Years	₹1,20,000	₹1,63,879	₹1,73,064	₹1,82,727	₹1,82,910
15 Years	₹1,80,000	₹2,90,452	₹3,12,408	₹3,36,077	₹3,61,618
20 Years	₹2,40,000	₹4,75,892	₹5,20,928	₹5,70,287	₹6,24,445

₹500 / ₹1000 / ₹2000 / ₹5000 SIP Comparison at 12% p.a.

All SIP amounts give the same ROI percentage at the same rate and tenure — only the absolute corpus differs proportionally. Here is a 10-year and 20-year side-by-side at 12% p.a.

After 10 Years @ 12% p.a.

Monthly SIP	Total Invested (10 Yr)	Total Corpus	Wealth Gained	ROI
₹500/month	₹60,000	₹1,16,170	₹56,170	93.6%
₹1,000/month	₹1,20,000	₹2,32,339	₹1,12,339	93.6%
₹2,000/month	₹2,40,000	₹4,64,678	₹2,24,678	93.6%
₹3,000/month	₹3,60,000	₹6,97,017	₹3,37,017	93.6%
₹5,000/month	₹6,00,000	₹11,61,695	₹5,61,695	93.6%
₹10,000/month	₹12,00,000	₹23,23,391	₹11,23,391	93.6%

After 20 Years @ 12% p.a.

Monthly SIP	Total Invested (20 Yr)	Total Corpus	Wealth Gained	ROI
₹500/month	₹1,20,000	₹4,99,574	₹3,79,574	316%
₹1,000/month	₹2,40,000	₹9,99,148	₹7,59,148	316%
₹2,000/month	₹4,80,000	₹19,98,296	₹15,18,296	316%
₹5,000/month	₹12,00,000	₹49,95,740	₹37,95,740	316%
₹10,000/month	₹24,00,000	₹99,91,479	₹75,91,479	316%

SIP vs RD – Which is Better?

Feature	SIP (Mutual Fund)	RD (Recurring Deposit)
Returns	10%–18% p.a. (market-linked)	6.5%–8.5% p.a. (fixed)
Risk	Market risk — can be negative short term	Zero risk — guaranteed returns
Minimum Amount	₹100–₹500/month	₹100/month
Lock-in Period	None (except ELSS: 3 years)	Minimum 3 months before premature closure
Tax on Returns	12.5% LTCG on gains above ₹1.25L/year (equity)	Fully taxable as per income slab
Tax Benefit	ELSS: 80C deduction up to ₹1.5L (Old Regime)	No tax benefit
Inflation Beating	Yes — equity SIP historically beats inflation by 6%+	No — RD return often equals or trails inflation
Best For	Long-term wealth creation (5+ years)	Safe monthly saving, short-term goals
Corpus: ₹1000 x 10 Years	₹2,32,339 (@ 12%)	₹1,73,064 (@ 7%)

Verdict: For goals beyond 5 years, SIP in equity funds generates significantly more wealth than RD. For short-term savings or emergency funds, RD is safer and more predictable. Check our RD Calculator to compare your specific numbers.

Frequently Asked Questions – ₹1000 SIP Returns

If I invest ₹1000 per month for 10 years, how much will I get? +

A ₹1000 monthly SIP for 10 years at 12% p.a. (typical equity large-cap fund return) will give you approximately ₹2,32,339. Total investment is ₹1,20,000 and wealth gained is ₹1,12,339. At 15% p.a. (mid-cap fund), the corpus grows to ₹2,78,657. At 7% (debt fund), you receive approximately ₹1,73,064. Use the calculator above for your specific rate and period.

What will ₹1000 SIP return in 20 years? +

At 12% p.a., ₹1000/month for 20 years gives a corpus of approximately ₹9,99,148 on just ₹2,40,000 invested — nearly ₹10 lakhs. At 15% p.a., it reaches ₹15,17,764. At 18% p.a. (small-cap historical average), approximately ₹24,20,048. This is why 20-year SIPs are recommended for retirement planning goals.

Can ₹1000 SIP make me a crorepati? +

A fixed ₹1000/month SIP at 12% p.a. reaches ₹1 crore in approximately 35–38 years. With a 10% annual step-up (increasing SIP by ₹100 each year), the milestone can be reached in 25–27 years. Start as early as possible, increase your SIP annually with salary increments, and stay invested through market cycles.

Is ₹1000 SIP in ELSS good for tax saving? +

Yes. ₹1000/month = ₹12,000/year in ELSS qualifies for deduction under Section 80C (Old Tax Regime only). In the 30% tax bracket, this saves ₹3,744 in tax annually. Over 10 years, that is ₹37,440 in total tax savings — plus equity-level compounded returns. Each instalment has a mandatory 3-year lock-in. ELSS deduction is not available under the New Tax Regime.

What is the difference between SIP and RD? +

RD (Recurring Deposit) gives guaranteed fixed returns of 6.5%–8.5% p.a. with zero risk — similar to a bank deposit. SIP in mutual funds gives market-linked returns averaging 10%–15% p.a. over long periods but with short-term volatility. For a 10-year ₹1000 monthly investment, equity SIP at 12% gives ₹2,32,339 vs RD at 7% giving ₹1,73,064 — a difference of nearly ₹60,000. For goals beyond 5 years, SIP typically generates significantly more wealth than RD.

Can I stop SIP anytime? +

Yes. Unlike RD, SIP in mutual funds (except ELSS) has no lock-in period. You can pause, stop, or fully redeem your SIP investment at any time without penalty. However, stopping early sacrifices the compounding effect — the single most important driver of SIP returns. Investors who stopped SIP during the COVID crash of 2020 and the 2022 correction missed the recovery gains that followed. Stay invested through volatility unless there is a genuine financial emergency.