See how ₹1,000 monthly SIP grows across Equity, Debt, Hybrid, ELSS, and Index mutual funds.
| Year | Invested | Returns | Total Value |
|---|
Compare how ₹1,000/month SIP grows across different mutual fund categories.
| Category | Expected Return | Future Value | Wealth Gained | Period |
|---|---|---|---|---|
| Equity | 14% | ₹2,62,091 | ₹1,42,091 | 10 years |
| Debt | 7% | ₹72,011 | ₹12,011 | 5 years |
| Hybrid | 11% | ₹1,26,847 | ₹42,847 | 7 years |
| ELSS | 14% | ₹2,62,091 | ₹1,42,091 | 10 years |
| Index | 12% | ₹2,32,339 | ₹1,12,339 | 10 years |
At 12% annual return, ₹1,000/month SIP for 10 years grows to approximately ₹2,32,339. Your total investment would be ₹1,20,000 with wealth gained of ₹1,12,339.
For long-term goals (7+ years), equity funds offer the highest growth potential. For medium-term (3-5 years), hybrid funds provide balanced risk-return. For short-term (1-3 years), debt funds offer stability. Use the calculator above to compare.
Yes, most mutual funds allow SIP starting from ₹500/month. ₹1,000/month is a good starting point that you can increase over time. You can invest in equity, debt, hybrid, or ELSS funds.
With ₹1,000/month SIP at 12%, you invest ₹1,20,000 over 10 years but receive ₹2,32,339 — that's ₹1,12,339 created by compounding alone! Over 20 years, the effect is even more dramatic.
Yes! If you start with ₹1,000/month and increase by 10% annually, your corpus after 10 years at 12% would be significantly higher than a flat SIP. Step-up SIP aligns with your growing income.