A SIP Calculator helps estimate how a fixed monthly SIP may grow over time based on the investment amount, expected return and investment period.
In this example, the focus is on understanding how a 10.5 crore corpus may be achieved over 30 years under two different return assumptions.
Building a corpus of ₹10.5 crore through SIP requires time, discipline and the power of compounding. The final outcome depends mainly on three factors: the monthly SIP amount, the expected annualised return and the investment period.
In this comparison, 2 cases are considered. The first assumes a monthly SIP of ₹15,000 with a 15% expected annualised return. The second assumes a monthly SIP of ₹30,000 with a 12% expected annualised return. Both cases are calculated for 30 years.
In the first case, the monthly SIP amount is ₹15,000. The investment period is 30 years and the expected annualised return is 15%.
Monthly SIP Amount: ₹15,000
Investment Period: 30 years
Expected Annualised Return: 15%
Total Invested Amount: ₹54,00,000
Estimated Returns: ₹9,97,47,309
Estimated Corpus After 30 Years: ₹10,51,47,309
This calculation shows that a fixed monthly SIP of ₹15,000 may grow to around ₹10.51 crore over 30 years, assuming an annualised return of 15%.
The invested amount over the full period is ₹54 lakh, while the estimated returns form the larger part of the final corpus.
In the 2nd case, the monthly SIP amount is ₹30,000. The investment period remains 30 years and the expected annualised return is 12%.
Monthly SIP Amount: ₹30,000
Investment Period: 30 years
Expected Annualised Return: 12%
Total Invested Amount: ₹1,08,00,000
Estimated Returns: ₹9,50,97,413
Estimated Corpus After 30 Years: ₹10,58,97,413
This calculation shows that a fixed monthly SIP of ₹30,000 may grow to around ₹10.59 crore over 30 years, assuming an annualised return of 12%.
Although the final corpus is close to the first case, the total invested amount is higher because the assumed return is lower.
Read More: SIP Calculator: ₹50,000 SIP For 20 Years, How Big Can Your Corpus Be?
The difference between 12% and 15% may appear small, but over 30 years, it creates a meaningful gap in the required monthly contribution. This happens because compounding becomes stronger when the assumed return is higher and the investment period is long.
The SIP Calculator example shows that building a ₹10.5 crore corpus may take around 30 years under both return assumptions discussed here. A monthly SIP of ₹15,000 may grow to around ₹10.51 crore at 15% annualised return, while a monthly SIP of ₹30,000 may grow to around ₹10.59 crore at 12% annualised return.
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Disclaimer: This blog has been written exclusively for educational purposes. The securities or companies mentioned are only examples and not recommendations. This does not constitute a personal recommendation or investment advice. It does not aim to influence any individual or entity to make investment decisions. Recipients should conduct their own research and assessments to form an independent opinion about investment decisions.
Mutual Fund investments are subject to market risks, read all scheme-related documents carefully.
Published on: Jul 6, 2026, 4:20 PM IST
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