A SIP (systematic investment plan) invests a fixed amount every month. Returns from equity funds vary from year to year; the expected return here is a steady average for planning, not a promise.
Value after 10 years: ₹23,23,390.76
Your answer
Value after 10 years₹23,23,390.76
Estimated returns₹11,23,390.76
Amount invested
₹12,00,000.00
Growth multiple
1.94 ×
Balance at the end of each year
Invested
Returns
Show the numbers
Balance at the end of each year
Year
Invested
Returns
1
₹1,20,000.00
₹8,093.28
2
₹2,40,000.00
₹32,432.00
3
₹3,60,000.00
₹75,076.47
4
₹4,80,000.00
₹1,38,348.34
5
₹6,00,000.00
₹2,24,863.67
6
₹7,20,000.00
₹3,37,570.31
7
₹8,40,000.00
₹4,79,789.97
8
₹9,60,000.00
₹6,55,265.65
9
₹10,80,000.00
₹8,68,215.05
10
₹12,00,000.00
₹11,23,390.76
Mutual fund investments are subject to market risk; returns are not guaranteed. Taxes on gains and fund expenses are not included.
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How we worked it out
Updated as you change the numbers.
Monthly rate r = 12% ÷ 12 = 1%; months n = 120.
Value = SIP × ((1 + r)ⁿ − 1) ÷ r × (1 + r) = ₹10,000.00 × 232.3391.
Method and assumptions
Each instalment is invested at the start of its month and compounds monthly at the expected yearly return ÷ 12, the convention most Indian SIP calculators use. A step-up raises the SIP once a year.
Questions
What does a ₹10,000 monthly SIP become in 10 years at 12%?
Method and figures checked on October 31, 2026. Every worked answer on this page is covered by an automated test. Found a mistake? Tell us.
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