Investing ₹10,000 every month can be a great step towards long-term financial stability. Whether you are saving for your child’s future, a dream home, or retirement, SIPs help you build wealth without needing to track the market every day. With the right plan and discipline, a 10000 SIP for 10 years or more can create a sizable fund.
A SIP (Systematic Investment Plan) is a way to invest a fixed monthly amount in mutual funds. Here’s what a monthly ₹10,000 SIP can look like across different time frames (assuming 12% annual returns)-
10000 SIP for 5 years - ₹6 lakh invested, may grow to over ₹8 lakh
SIP of 10000 for 10 years - ₹12 lakh invested, could become ₹22 lakh
10000 SIP for 15 years - ₹18 lakh invested, may reach over ₹47 lakh
10000 SIP for 20 years - ₹24 lakh invested, can grow to almost ₹91.9 lakh
Here are five mutual fund schemes that suit a ₹10,000 monthly SIP-
- Bandhan Small Cap Fund Regular Growth
- HDFC Flexicap Fund
- ICICI Multiasset
- ICICI Prudential Large & Mid Cap Fund
- Kotak Equity Opportunities Fund
Here’s a quick comparison of these funds.
The below information is as on 15th May’2025.
Source: Value Research
| Funds | AUM (in Rs) | 3 Year Annualised Returns (in %) | Expense Ratio (in %) |
| Bandhan Small Cap Fund Regular Growth | 5,166 Crs | 27.46 | 1.81 |
| Hdfc Flexicap Fund | 54,692 Crs | 26.7% | 1.50% |
| ICICI Multiasset | 41,160 Crs | 23.5% | 1.53 |
| ICICI Prudential Large & Mid Cap Fund | 19,352 Crs | 24.1 | 0.88 |
| Kotak Equity Opportunities Fund | 24,912 Crs | 20.8 | 0.61 |
Whether you choose a 10000 sip for 20 years or a 10000 sip for 15 years, the earlier you begin, the better your returns. Use Tata Capital Moneyfy to find the right fund for you, top pick mutual fund, easing investment options, and track your SIPs in one place. Head to the Tata Capital Moneyfy website or download the Moneyfy app now!
The longer you stay invested, the more your returns benefit from compounding.
Check past performance, expense ratio, fund category, and your own risk comfort before choosing.
It promotes financial discipline, helps you build wealth, and makes investing manageable.
Equity funds are linked to market fluctuations. Short-term returns may vary, but long-term trends are usually positive.
It depends on your goal. Small-cap funds offer high returns, while multi-asset funds are more stable.
Large and mid-cap funds are ideal for balanced growth. Small caps suit aggressive investors with longer timelines.
A SIP of ₹10,000 with 12% returns could double your money in about six years.
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28 May 2025
2 mins read
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