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How much can you earn from Rs 10,000 SIP in 15 years? Watch details

Because of a good return possibilities, people are now interested to invest in SIP. But, everyone is not aware about the SIP calculation, which is to understand how much investment can bring how much money in return. To provide some idea, this article can help you a lot.

The ups and downs in the Indian stock market continue. Meanwhile, the common investor of the country is continuously increasing his investment in SIP. According to the latest data of AMFI, in September, investment of Rs 29,361 crore came in SIP, which was Rs 28,265 crore in August. In September, investment of Rs 30,421 crore has come in equity mutual funds. There is tremendous benefit of compounding with SIP. However, for this, investment should be continued for maximum time. Today we will know here how much fund can be created in 15 years if Rs 10,000 is deposited every month in SIP.

A SIP for 15 years

If you earn an estimated annual return of 12%, a SIP of ₹10,000 can generate a corpus of ₹47.59 lakh in 15 years. Furthermore, if you earn an estimated annual return of 15%, a SIP of ₹10,000 can generate a corpus of ₹61.63 lakh in 15 years. SIPs are considered an excellent investment option for generating substantial returns over the long term. However, there are some important points to keep in mind when investing in SIPs.

Stock market risk in SIP

Mutual fund SIPs never offer consistent returns and depend entirely on stock market fluctuations. If the market is bullish, you’ll see higher returns. Similarly, if the market declines, you may incur losses instead of profits. However, the risk of losses over the long term is significant. Furthermore, you’ll also be subject to capital gains tax on SIP returns. Therefore, it’s better and more beneficial to continue investing for a longer period of time to reach your goals.

Desclaimer: For any financial invest anywhere on your own responsibility, Times Bull will not be responsible for it.

October 12, 2025 – 4:47 PM

From Rs 5000 SIP to Rs 1 Crore in Account! Mutual Fund Investment Tips

Mutual Fund has gained significant popularity among common people. Despite being associated with the market risks, mutual fund gained reputation fof offering good amount of interest in return. But can you get Rs 1 crore from a Rs 5000 SIP? Here’s the calculation you should know before making any investment.

In now-a-days, mutual fund SIPs are considered an effective option for long-term investment. Mutual fund SIPs involve significant stock market risk, but it’s also true that the earnings generated are also from the stock market. Furthermore, compounding in SIPs helps build a larger corpus. Therefore, the longer the SIP is run, the larger the corpus will be.

The size of the corpus you can build through SIPs depends on several key factors: first, the amount of money you’re investing in, second, the time period for which you’re investing, and third, the returns you’re receiving.

How to claims Rs 1 Crore from Rs 5,000 SIP

If you earn an average annual return of 12%, it could take you 26 to 27 years to build a corpus of ₹1 crore from a ₹5,000 SIP. Similarly, if you earn an average annual return of 15%, it could take you 23 years to build a corpus of ₹1 crore from a ₹5,000 SIP. When investing in an SIP, you need to keep some important things in mind. SIPs never provide a constant return; they fluctuate. If the market is bullish, you’ll see higher returns.

Similarly, if the market is down, you’ll incur losses. You’re also subject to capital gains tax on your SIP returns. Therefore, you’ll need to continue investing for a little longer than your target period to achieve your goal.

Desclaimer: For any financial invest anywhere on your own responsibility, Times Bull will not be responsible for it.

October 7, 2025 – 10:44 AM

Want to Turn Rs 2,000 Monthly SIP into Rs 10 Lakh? Know This Calculation Formula

If we tell you that you can make 10 lakh rupees by investing only 2000 rupees every month, you might think it is a joke. But this is possible by investing in a Systematic Investment Plan (SIP). Let us tell you how you can become a millionaire with such a small amount. Also, what is SIP and how does it work?

SIP is a plan where you invest a fixed amount every month. This amount can be 1 thousand rupees or more. You decide how often you want to invest – every month, every three months, or every year. In SIP, the amount is invested on a fixed date.

Through SIP, you can build a large amount and get good returns. The special thing about SIP is that you earn returns on both the money you invest and the profit you make. This is called compound interest.

How does SIP work?

Whatever you invest in SIP, the fund manager will put that money in a mutual fund. Suppose you invest 1,000 rupees and the net asset value (NAV) of the mutual fund is 20 rupees. You will get 50 units of that fund for 1,000 rupees. When the NAV of the fund goes up, your returns will also increase.

How can you make 10 lakh rupees from a SIP of 2,000 rupees?

Now, let us explain how you can make 10 lakh rupees by investing 2,000 rupees in SIP. Suppose you get an average annual return of 12%. In this case, you can make a total of 10 lakh rupees in about 15 to 16 years.

The calculation will be like this:

Investment: Rs 2,000/month
Interest: 12% per year
Total investment: Rs 3.6 lakh
Total profit: Rs 6.49 lakh
Total amount: Rs 10.09 lakh

Here, we have calculated with a 12% return. If your return is higher, you can reach 10 lakh rupees faster. Also, if you invest more money or invest regularly at a fixed time, you can earn more than 10 lakh rupees in fewer years.

August 30, 2025 – 8:02 AM

Can a Monthly SIP of ₹15,000 Grow to ₹1.5 Crore? Know the Calculation Here

The education and bright future of children is the dream of every family. For this, families make different types of investment plans. Some people invest in FD or RD, while many invest in SIP, so that they can collect a good amount for their children’s education when they grow up. Now the question is, if you invest Rs 15,000 every month in two big funds, i.e., Large Cap and Flexi Cap, will you be able to create a fund of Rs 1.5 crore in 12 to 14 years?

Experts say this is a good start, but your current investment will not reach your goal. A SIP of Rs 15,000 will make Rs 1.5 crore in 12–14 years only if the return is more than 22.5% per year. This is a high return and may be hard to get every year.

Understand the Calculation

SIP (monthly): Rs 15,000
Time: 14 years
Return (annual): 22.5%
Target amount: Rs 1,50,00,000

The compound interest formula shows that in 12 years, you need a 29.5% return per year. This means Rs 15,000 every month will reach Rs 1.5 crore in 144 months. If you wait 14 years, a 22.5% return is enough. These returns are possible in mutual funds, but there is some risk. You can choose small-cap funds, talk to a financial planner, and start a SIP. With time and interest, your money can grow big.

What Changes Should Be Made?

Experts say you should increase your SIP amount. Also, invest 20% in a good mid-cap or small-cap fund. These funds can grow more in the long term.

Improve the Portfolio
Choose a multi-cap fund instead of a large-cap fund.
Invest in a mid-cap or small-cap fund instead of a flexi-cap fund.
Check your portfolio every year.

Why Is This Step Important?

The stock market changes all the time. Choosing the right fund and increasing your investment can help you reach your goal. Always invest according to your risk, time, and goal. Do not make decisions in a hurry or based on short-term changes.

August 29, 2025 – 1:00 PM

A Fund of Lakhs Will Be Created With a SIP of Rs 1000, Know The Complete Calculation

Everyone wants their savings to grow to a good amount over time. The easiest way to do this is to invest in mutual funds through a Systematic Investment Plan (SIP). SIP allows you to invest money in small installments. In this, the investment keeps increasing not only on the money you put in but also on the returns already received, which is called compounding. This compounding makes SIP very effective in the long term.

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When will a fund of 2 lakhs be created with a SIP of Rs 1000

If you invest Rs 1000 every month and get an average annual return of 12% on it, then your fund will gradually grow. According to the SIP calculation, after 10 years, your total investment will be Rs 1,20,000, whose value will increase to Rs 2,32,339. That is, you will get a profit of Rs 1,12,339.

Great benefit from SIP in the long term

If you continue this investment for 15 years, then your total investment will be Rs 1,80,000, and it will increase to Rs 5,04,576. At the same time, if you do SIP for 20 years, your total investment will be Rs 2,40,000, but this amount will increase to about Rs 9,99,148. In this way, you will get a benefit of about Rs 7,59,148. That is, even a small SIP can create a fund of lakhs in the long term.

Even a small amount can change the future

Often, people think that a small amount like Rs 1000 cannot bring any big change. But if you keep patience and continue it for a long time, then with the power of compounding, this amount can reach crores. You can consider SIP as a digital piggy bank, in which a large amount can be collected gradually by putting a small amount every month.

Decide on your goal before investing

Before starting SIP, it is important to decide what your purpose is. Like buying a house, children’s education, marriage, or retirement. To choose the right mutual fund, you must look at the past performance and management of the fund. If you do not understand investment, it would be wise to consult a certified financial advisor.

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What to keep in mind while investing in SIP

The biggest benefit of SIP is available only when it is continued for a long period. In the short term, losses may be seen due to market fluctuations, but in the long run, these risks are balanced. Keep checking the performance of your fund every 1-2 years and make changes in it if needed. Patience and regularity are the biggest mantras of SIP investment.

August 21, 2025 – 8:46 PM

SIP Calculator: How Long Will It Take To Create a Fund of Rs 2 Lakh By Investing Rs 1000 Per Month

Everyone wants their small savings to grow into a big amount over time. The easiest and most effective way to achieve this goal is to invest in mutual funds through a Systematic Investment Plan (SIP). In this, the investor invests a fixed amount every month, which keeps increasing year after year due to the power of compounding.

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What is SIP, and why is it beneficial?

SIP (Systematic Investment Plan) is a way of investing in mutual funds in which the investor invests a fixed amount every month. This method is special for those people who cannot invest a large amount at once. By investing in SIP for a long time, the effect of compounding starts showing, and even a small amount turns into lakhs.

Complete calculation of SIP of Rs 1,000

Year Total Investment (Rs) Total Value (Rs) Profit (Rs)

1 12,000 12,809 809

2 24,000 27,243 3,243

3 36,000 43,508 7,508

4 48,000 61,835 13,835

5 60,000 82,486 22,486

6 72,000 1,05,749 33,749

7 84,000 1,31,940 47,940

8 96,000 1,61,414 65,414

9 1,08,000 1,94,569 86,569

10 1,20,000 2,31,851 1,11,851

When will a SIP of Rs 1,000 become Rs 2 lakh?

Suppose you start a SIP of only Rs 1,000 every month and get an average annual return of 12%. In 10 years, your total investment will be Rs 1,20,000. Due to the effect of compounding, this amount will increase to about Rs 2,32,000. That means you will get a profit of about Rs 1,12,000.

How much will the money grow in 15 and 20 years?

If you continue SIP for 15 years, then your total investment will be Rs 1,80,000, and its value will increase to about Rs 5,04,000. On the other hand, if you continue SIP for 20 years, the total investment will be Rs 2,40,000, but its value can reach about Rs 10 lakh. That is, a small investment can give a profit of seven to eight lakh rupees.

Big change from a small amount

Many people believe that a small amount like Rs 1000 will not bring any big change. But the power of SIP is that it gradually takes the form of a large amount. It can be understood like a digital piggy bank, in which the money deposited every month keeps increasing with interest and dividends.

Set a goal before investing

Before starting SIP, it is important to be clear what your objective is. Such as children’s education, marriage, buying a house, or retirement. The right mutual fund can be chosen only after setting the goal. For this, choose funds whose past performance has been stable and reliable.

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Things to keep in mind while investing in SIP

It is very important to stay in SIP for a long period. The market may be volatile in the short term, but in the long term, the risks are balanced, and better returns are generated. It is considered wise to review your fund every 1-2 years and make changes if needed.

August 21, 2025 – 2:13 PM

SIP Calculation: If You Deposit Rs 2000 Every Month in SIP, Then in How Much Time Will a Fund of 1 Lakh Be Ready, See The Calculation Here

SIP Calculation: If you want to create a big fund by investing, then a SIP mutual fund can be the best option. A big fund can be created by investing a small amount in a SIP mutual fund. Here we are saying that if you invest Rs 2000 every month in SIP, then in how much time can you create a fund of 1 lakh?

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In how much time will a fund of 1 lakh be created by investing Rs 2000 every month

If you invest Rs 2000 every month in a SIP mutual fund and get a return of 12 percent on it. According to this, in 4 years, you will create a fund of Rs 1,24,000. At the same time, you will get about Rs 87,015 in 3 years. However, you have to keep in mind that the return will depend on the fluctuations of the market.

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We are telling you about some funds that have given the highest returns in the last 1 year. The risk in this is also normal. Its list is given below.

List of Funds

Name Sub Category Plan AUM Return SEBI Risk Category

HSBC Credit Risk Fund Credit Risk Fund Growth 647.9072 21.805 General

Edelweiss Government Gilt – Short & IDCW 174.6233 17.84621 General

Securities Fund(F-IDCW) Mid Term Fund

HSBC Credit Risk Credit Risk Fund IDCW 647.9072 12.18328 General

Fund(M-IDCW)

HSBC Credit Risk Credit Risk Fund IDCW 647.9072 12.18328 General

Fund(M-IDCW)

HSBC Credit Risk Credit Risk Fund IDCW 647.9072 11.24691 General

August 20, 2025 – 12:24 PM

SIP Calculator: How Much Fund Will Be Created in 12 Years If You Invest 10000 Rupees Every Month

SIP Calculator: Today, the common man does not want to depend only on savings, but he wants to get better returns from his money. This is the reason why the popularity of mutual fund investment is increasing rapidly across the country. The latest data from the Association of Mutual Funds in India (AMFI) shows that not only is the number of mutual fund accounts increasing in the country, but the amount of investment in them is also constantly making records.

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Why is SIP the best way to invest

There are many options to invest in mutual funds, but the Systematic Investment Plan (SIP) is considered to be the easiest and disciplined way. In this, the investor deposits a fixed amount every month, which gradually creates a big fund. The biggest feature of SIP is the advantage of compounding. The longer the investment time, the bigger the return.

Mathematics of risk and return

Mutual funds are indeed linked to the stock market, and there are fluctuations in it. Sometimes your portfolio grows rapidly, and sometimes it may decline. But by investing in the long term, this risk gets balanced, and due to compounding, huge profits are obtained.

Understand the impact of tax, too

Capital gains tax also has to be paid on the profit from the SIP. Therefore, the investor should always keep in mind that the tax will affect their final fund. If the goal is big, then the investment period may have to be extended a bit.

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How much funding will be created in 12 years?

If an investor does a SIP of Rs 10,000 every month and gets an average annual return of 12 percent, then after 12 years, he will have a fund of about Rs 30.80 lakh. During this time, the investor would have invested a total of Rs 14.40 lakh, while he would get about Rs 16.40 lakh as a return.

On the other hand, if the average return is 15 percent annually, then after 12 years, this fund can grow to about Rs 37.56 lakh. The amount invested in this would be Rs 14.40 lakh, and the return would be more than Rs 23 lakh.

August 19, 2025 – 2:08 PM

12x12x20 SIP Formula: Follow This Investment Rule and You May Never Need a Job – Know How It Works!

12x12x20 SIP Formula. In today’s economy, people want to increase their means of earning. If you are doing business, then you think of getting a huge return by investing in a job. If you also dream of becoming a millionaire in the future, along with a job, then you can adopt this formula of SIP. By investing in an SIP mutual fund, you can get a bumper 12% annual return and can become a fund of crores in 20 years. However, if you use this formula in a disciplined way, then the benefit of compounding is received quickly, and financial freedom does not require working for more days.

If you have got a new job, from which you want to grow your money by investing. Then you should invest in such a special scheme that is directly linked to the stock market. Here we are telling you to start SIP in a mutual fund according to your investment goal. SIP (Systematic Investment Plan) can be a better option for you. Here we are giving information about the 12x12x20 formula of SIP.

Know what SIP is

Actually, before knowing about the 12x12x20 SIP Formula, you should know about SIP. A Systematic Investment Plan is a disciplined and easy way to invest in mutual funds. In this type of scheme, investors invest a fixed amount in a fund every month.

Let us tell you that investment is done in small parts through SIP. This investment remains linked to your stock market, which balances the effect of fluctuations. However, it is beneficial for those who invest for a long time, because the benefit of compounding is available.

12x12x20 SIP Formula

The 12x12x20 formula of SIP is a great option for you. By investing Rs 12,000 every month in mutual funds and getting a 12% annual return, a big fund can be made in 20 years. Here, this formula gives the benefit of compounding; however, you need to invest in a disciplined manner.

For example, let’s assume that you are 30 years old and want to start your investing journey. You should leave Rs 12,000 from your salary every month to invest in mutual funds. When you deposit Rs 12,000 every month, you will get the benefit of compound interest of about 12% per annum on your deposit. This investment will have to be made regularly for about 20 years.

This is how you can create a fund of Rs 1 crore.

By doing SIP of Rs 12,000 every month, about Rs 28.80 lakh will be deposited in your fund in the next 20 years. Now, let’s assume compound interest of 12% per annum on this money, and you will get about Rs 81,58,288. During this time, the amount deposited by you will be Rs 28.80 lakh, and the interest amount will be Rs 81,58,288, which, on adding, will be around Rs 1,10,38,288 in your account. You will have an amount of more than Rs 1 crore in 50 years. With which you can do big work.

August 17, 2025 – 11:49 AM

SIP Calculator: Invest ₹100 Daily and Watch Your Wealth Grow Big in 10, 20, 30 Years

Systematic Investment Plans (SIPs) have many benefits. One of the biggest advantages is that you can start investing with just ₹100. Many mutual funds allow you to begin with a small amount. SIPs also give you the option to withdraw your money, depending on the fund’s rules. However, there may be exit charges or other fees when you take your money out early.

It is important to remember that while SIPs give you the chance to withdraw, you may not get your money instantly. Early withdrawal can come with extra charges like exit loads. Also, the real benefit of SIPs comes from the power of compounding, which helps your money grow more over time. Now, let’s find out how much money you can earn in 10, 20, and 30 years by investing ₹100 every day through SIP.

What is a Daily SIP?

A Daily SIP (Systematic Investment Plan) is a way to invest money in mutual funds every working day. It is different from monthly SIPs. In daily SIP, a fixed amount like ₹100 is invested in the mutual fund every trading day.

Who Should Choose Daily SIP?

Daily SIP is good for:

People who do not earn the same every month, like freelancers or part-time workers.

People who do not want to invest a big amount at one time.

People who want to invest automatically without doing anything daily.

How Much Money Can You Make by Investing ₹100 Every Day?

In 10 Years

If you invest ₹100 every day for 10 years, you will invest ₹3,65,000.
The profit you may get is ₹3,13,340.
So, the total money you may have is ₹6,78,340.

In 20 Years

If you keep investing for 20 years, you will invest ₹7,30,000.
The profit may be around ₹20,55,161.
Your total money may become ₹27,85,161.

In 30 Years

If you invest ₹100 every day for 30 years, the total money you invest will be ₹10,95,000.
The profit may be ₹82,33,629.
So, your total money may become ₹93,28,629.

July 12, 2025 – 7:33 AM

Tag: Sip Calculator