SIP Calculator: The domestic stock market witnessed significant fluctuations in 2025. Due to the sluggish market performance this year, investors did not receive significant returns from mutual funds. However, long-term investors were not discouraged by this. Systematic Investment Plans (SIPs) continued to offer better opportunities for those investing for the long term. Let’s see what kind of fund can be created in 20 years with a monthly SIP of ₹10,000.
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SIP Returns Depend on the Stock Market
The returns from mutual fund SIPs depend entirely on the performance of the stock market. When the market rises rapidly, SIP investors receive good returns. However, investors may also incur losses when the market declines. Therefore, it is important for investors to understand that SIPs do not always provide consistent returns. Investing for the long term reduces risk, and investors should also consider capital gains tax.
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A Fund of Crores Can Be Created with a Monthly Investment of ₹10,000
Let’s say you invest ₹10,000 every month through an SIP. If you receive an estimated annual return of 12 percent, your total fund could reach approximately ₹92 lakh in 20 years. This would include your total investment of ₹24 lakh and returns of approximately ₹68 lakh. If the estimated return is 15 percent, the total fund could reach approximately ₹1.32 crore in 20 years. This would include an investment of ₹24 lakh and returns of ₹1.08 crore. This demonstrates that long-term SIP investments can significantly contribute to wealth creation.