₹10,000/month SIP, 12% annual return, 10 saal me banega lagbhag ₹23.2 lakh (invested ₹12 lakh, gains ₹11.2 lakh).
10-Year SIP Calculator
10 saal ki SIP ka poora hisab
Doston se aksar sunta hu — "SIP to start kar di, par 10 saal me kitna banega, ye nahi pata." To chalo seedha numbers dekhte hain. 12% average annual return maan kar (equity mutual funds ka long-term average):
| Monthly SIP | 10 saal me invested | Maturity value | Gains |
|---|---|---|---|
| ₹5,000 | ₹6,00,000 | ₹11,61,695 | ₹5,61,695 |
| ₹10,000 | ₹12,00,000 | ₹23,23,391 | ₹11,23,391 |
| ₹20,000 | ₹24,00,000 | ₹46,46,782 | ₹22,46,782 |
| ₹50,000 | ₹60,00,000 | ₹1,16,16,954 | ₹56,16,954 |
10 saal wali SIP me 3 baatein yaad rakhna
- Beach me band mat karo: 10 saal ka magic last 3 saalon me dikhta hai, jab compounding tez hoti hai. 2020 ke crash me jisne SIP roki, usne sabse bada rally miss kiya.
- Step-up karo: Har saal SIP 10% badhaoge to 10 saal me corpus 30–40% zyada ban sakta hai. Salary badhe to SIP bhi badhao.
- Return guarantee nahi: 12% ek estimate hai. Actual 10–14% kuch bhi ho sakta hai. Calculator me 10% par bhi check kar lo — conservative planning best hai.
Kaunsa fund 10 saal ke liye?
10 saal ka horizon hai to flexi-cap ya large & mid-cap index funds popular choice hain. Direct plan lo (expense ratio kam), aur saal me ek baar portfolio review karo — roz NAV dekhne se kuch nahi hota.
FAQs
10 saal me ₹10000 ki SIP se kitna milega?
12% annual return par ₹10,000 monthly SIP 10 saal me lagbhag ₹23.2 lakh banati hai — ₹12 lakh invested aur ₹11.2 lakh gains.
Kya SIP 10 saal ke liye safe hai?
10 saal ke lambe horizon par equity SIP ka risk kaafi kam ho jaata hai, lekin returns guaranteed nahi hote. Conservative estimate ke liye 10–11% return maan kar plan karo.
10 saal ki SIP beech me tod sakte hain?
Haan, anytime redeem kar sakte ho, lekin 1 saal ke andar redemption par exit load aur short-term capital gains tax lag sakta hai. Lambe time tak tikke rehna hi SIP ka asli fayda hai.
Aur bhi calculators try karein
EMIHisab par 53 free calculators hain — EMI, FD, PPF, NPS, Income Tax aur bhi bahut kuch.
Saare Calculators Dekhein