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rewrite this title and make it good for SEOSIP Calculation at 12% Annualised Return: Rs 30,000 monthly SIP for 10 years, Rs 15,000 for 20 or Rs 10,000 for 30, which can make you a crorepati?

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June 7, 2025
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rewrite this title and make it good for SEOSIP Calculation at 12% Annualised Return: Rs 30,000 monthly SIP for 10 years, Rs 15,000 for 20 or Rs 10,000 for 30, which can make you a crorepati?
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SIP & Compounding, Why Long Term Investment Matters: A systematic investment plan (SIP) enables an investor to direct their surplus cash gradually towards a mutual fund of choice. It allows the investor to not only stay committed to their long-term investment strategy but also to maximise the benefit of compounding. For the unversed, compounding grows investments exponentially over time, helping in creating substantial wealth over the years. At times, compounding yields surprising results, especially over longer periods. In this article, let’s consider three scenarios to understand how time matters in compounding: a Rs 10,000 monthly SIP for 30 years, a Rs 15,000 SIP for 20 years and Rs 30,000 for 10 years. In each case, a sum of Rs 36 lakh will be invested over the years. Can you guess the difference in the outcome in all three scenarios at an expected annualised return of 12 per cent?

SIP Return Estimates | Which one will you choose: Rs 30,000 monthly investment for 10 years, Rs 15,000 for 15 years or 10,000 for 30? Rs 36 lakh total investment in each case

Scenario 1: Rs 30,000 monthly SIP for 10 years

Calculations show that at an annualised 12 per cent return, a monthly SIP of Rs 30,000 for 10 years (120 months) will lead to a corpus of approximately Rs 69.7 lakh (a principal of Rs 36 lakh and an expected return of Rs 33.7 lakh). 

Scenario 2: Rs 15,000 monthly SIP for 20 years

Similarly, at the same expected return, a monthly SIP of Rs 20,000 for 15 years (180 months) will accumulate wealth of approximately Rs 1.0 crore, as per calculations (a principal of Rs 36 lakh and an expected return of Rs 64.9 lakh).

Scenario 3: Rs 10,000 monthly SIP for 30 years

Similarly, at the same expected return, a monthly SIP of Rs 10,000 for 30 years (360 months) will accumulate wealth to the tune of Rs 3.5 crore, as per calculations (a Rs 36 lakh principal and an expected return of almost Rs 3.2 crore).

ALSO READ: Power of Rs 7,000 SIP: How can you generate Rs 5 crore corpus with just Rs 7,000 monthly investment?

In all three examples, the same amount is invested in different timeframes. Now, let’s look at these estimates in detail (figures in rupees): 

SIP Estimates at 12% Expected Annualised Return | Scenario 1

Year
Investment
Return
Corpus

1
3,60,000
24,280
3,84,280

2
7,20,000
97,296
8,17,296

3
10,80,000
2,25,229
13,05,229

4
14,40,000
4,15,045
18,55,045

5
18,00,000
6,74,591
24,74,591

6
21,60,000
10,12,711
31,72,711

7
25,20,000
14,39,370
39,59,370

8
28,80,000
19,65,797
48,45,797

9
32,40,000
26,04,645
58,44,645

10
36,00,000
33,70,172
69,70,172

SIP Estimates at 12% Expected Annualised Return | Scenario 2

Year
Investment
Return
Corpus

1
2,40,000
16,187
2,56,187

2
4,80,000
64,864
5,44,864

3
7,20,000
1,50,153
8,70,153

4
9,60,000
2,76,697
12,36,697

5
12,00,000
4,49,727
16,49,727

6
14,40,000
6,75,141
21,15,141

7
16,80,000
9,59,580
26,39,580

8
19,20,000
13,10,531
32,30,531

9
21,60,000
17,36,430
38,96,430

10
24,00,000
22,46,782
46,46,782

11
26,40,000
28,52,296
54,92,296

12
28,80,000
35,65,043
64,45,043

13
31,20,000
43,98,623
75,18,623

14
33,60,000
53,68,359
87,28,359

15
36,00,000
64,91,520
1,00,91,520

SIP Estimates at 12% Expected Annualised Return | Scenario 3

Year
Investment
Return
Corpus

1
1,20,000
8,093
1,28,093

2
2,40,000
32,432
2,72,432

3
3,60,000
75,076
4,35,076

4
4,80,000
1,38,348
6,18,348

5
6,00,000
2,24,864
8,24,864

6
7,20,000
3,37,570
10,57,570

7
8,40,000
4,79,790
13,19,790

8
9,60,000
6,55,266
16,15,266

9
10,80,000
8,68,215
19,48,215

10
12,00,000
11,23,391
23,23,391

11
13,20,000
14,26,148
27,46,148

12
14,40,000
17,82,522
32,22,522

13
15,60,000
21,99,311
37,59,311

14
16,80,000
26,84,180
43,64,180

15
18,00,000
32,45,760
50,45,760

16
19,20,000
38,93,782
58,13,782

17
20,40,000
46,39,208
66,79,208

18
21,60,000
54,94,392
76,54,392

19
22,80,000
64,73,254
87,53,254

20
24,00,000
75,91,479
99,91,479

21
25,20,000
88,66,742
1,13,86,742

22
26,40,000
1,03,18,959
1,29,58,959

23
27,60,000
1,19,70,573
1,47,30,573

24
28,80,000
1,38,46,872
1,67,26,872

25
30,00,000
1,59,76,351
1,89,76,351

26
31,20,000
1,83,91,120
2,15,11,120

27
32,40,000
2,11,27,362
2,43,67,362

28
33,60,000
2,42,25,847
2,75,85,847

29
34,80,000
2,77,32,516
3,12,12,516

30
36,00,000
3,16,99,138
3,52,99,138

ALSO READ: PPF For Regular Income: How can you get Rs 60,000/month tax-free income from Public Provident Fund?

SIP & Compounding | What is compounding and how does it work? 

For the sake of simplicity, one can understand compounding in SIPs as ‘return on return’, wherein initial returns get added up to the principal to boost future returns, and so on.

Compounding helps in generating returns on both the original principal and the accumulated interest gradually over time, contributing to exponential growth over longer periods. 

This approach eliminates the need for a lump sum investment, making it convenient for many individuals—especially the salaried—to invest in their preferred mutual funds. Read more on the power of compounding

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