SIP Returns Calculation on ₹1000 SIP for 1-15 Years

sip returns calculation examples Rs. 1000 SIP investment in hindi video

One of the most asked questions on my YouTube channel is, how much returns someone would get on monthly SIP of Rs. 1000 between 1 year to 15 years? Well, the answer is not straightforward since the markets (stocks and mutual funds) can be very volatile for short term as we have seen in the year 2020 (during Covid) and during 2022 (Russia-Ukraine war). So we will see SIP Returns Calculation details in this article.

But we can at least try to get approximate figures on SIP (Systematic Investment Plan) returns based on past long term returns. In this article we will see SIP Returns Calculation Examples on Rs. 1000 monthly SIP.

In order to calculate approximate SIP returns between 1 year to 15 years in a good stock or mutual fund, we have to assume expected returns in the range of 8-14% per year. We are going to take 12% as annual returns from good stock or mutual fund, and calculate the returns on same. You can also use SIP calculator here to calculate returns for any number of years or months based on expected rate of return you provide.

Below is the video you can watch to see calculation examples done using SIP Calculator.

SIP Returns Calculation Examples Video

YouTube player

Watch more Videos on YouTube Channel

As seen in above video, you can get approximately Rs. 5.04 Lacs as maturity amount by just investing Rs. 1000 per month as SIP for next 15 years. Your total deposits will be Rs. 1.8 Lacs and profits earned will be Rs. 3.24 Lacs. That’s more than the principal amount invested!

How much Returns on Rs. 1000 Monthly SIP?

Let us assume expected rate of return to be 12% per year for simplicity. Based on our SIP Calculator, below is the returns we will get for 1 year to 15 years of our SIP deposits.

Note that we have considered 12% flat return on deposits which is not the actual case in markets. Some years in market might give you more than 12% and other years might give less returns. We have to consider average returns we expect when we invest in stocks or equity mutual funds.

Considering these points, below is the table of SIP returns for Rs. 1000 monthly SIP:

SIP Returns Calculation Table

YearsTotal DepositsMaturity AmountProfits
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₹ 1,05,757₹ 33,757
7₹ 84,000₹ 1,31,979₹ 47,979
8₹ 96,000₹ 1,61,527₹ 65,527
9₹ 1,08,000₹ 1,94,822₹ 86,822
10₹ 1,20,000₹ 2,32,399₹ 1,12,399
11₹ 1,32,000₹ 2,74,615₹ 1,42,615
12₹ 1,44,000₹ 3,22,252₹ 1,78,252
13₹ 1,56,000₹ 3,75,931₹ 2,19,931
14₹ 1,68,000₹ 4,36,418₹ 2,68,418
15₹ 1,80,000₹ 5,04,576₹ 3,24,576
SIP Returns Calculation Table on Rs. 1000 monthly SIP

As seen above, for years between 1 to 5 years the return you might get will slightly be out of sync with the actual returns since nobody can predict the actual returns from market for short term.

But when you stay invested for more than 5 years, and the returns start to average out at 12% return every year, the returns seen above will start getting in sync with the market returns.

Overall, you can at least get better returns when doing SIP in good stocks or mutual funds compared to Fixed Deposits and Recurring Deposits returns.

ALSO READ: Best Mutual Funds to Invest in 2023

Does SIP give Monthly Returns?

SIP or Systematic Investment Plan is a way to invest in mutual funds regularly every month. So when your deposits are scheduled on a date, based on NAV (Net Asset Value), you’ll get required number of units.

For example, let’s say Nav = Rs. 100 of a mutual fund when you deposit Rs. 1000. So you’ll get 10 units (Rs. 1000 deposit / Rs. 100 NAV) of that mutual fund.

Now by next year let’s say the Nav becomes Rs. 110, you can seel your 10 units at this price thus making a profit of Rs. 100 (sold at Rs. 1100 – bought at Rs. 1000).

So to answer whether SIP gives us monthly returns, then yes in fact we get Daily returns on SIP! Why? That’s because NAV of mutual fund is updated every weekday, so we can buy it on one day and sell it on another day to make profits (provided NAV has increased from previous day).

It is very important to note other factors such as exit load and income tax on profits we make while selling mutual funds units. Many mutual funds charge exit load if we sell mutual funds units within 30 days or 365 days after buying them. So we need to consider exit load of mutual funds.

Also, Income Tax on STCG (Short term capital gains) and LTCG (Long term capital gains) need to be paid while selling mutual funds. Tax on STCG is 15% on equity mutual funds, whereas Tax on LTCG is 10% on profits above Rs. 1 Lac of equity mutual funds.

Watch below video to understand Income Tax on SIP

YouTube player

Watch more Excel Videos Here

Here’s another article about Income Tax on SIP that you can read to know more about Tax liability while selling stocks or equity mutual funds.

SIP Returns Calculation Examples – Rs. 5000 SIP

Let us take another example of SIP Returns calculation for SIP of Rs. 5000 per month. Below is the screenshot of SIP Calculator in Excel, showing you the returns on your SIP:

SIP Returns Calculation Examples - Rs. 5000 at 10% expected returns
SIP Returns Calculation Examples – Rs. 5000 at 10% expected returns

As seen above, we have taken SIP amount = Rs. 5000, and expected rate of return = 10%, so the maturity amount you’ll get for 20 years SIP will be approximately Rs. 38.3 Lacs. As seen, it has a total deposits of Rs. 12 Lacs in 20 years, and profit of Rs. 26.3 Lacs.

Again, we have to consider Tax on LTCG in this case, as the holding period for SIP is more than 1 year for SIP up to 19 years of deposits, and Tax on STCG for the last year SIP deposits if those are also redeemed after 20th year.

You can get the SIP Excel Calculator from this article and also read about how monthly SIP returns are calculated in excel. It’s a good way to check SIP returns in excel on offline mode.

ALSO READ: How Compounding works in SIP

What is the formula of SIP return?

Here are some useful formulas you should know while investing via SIP:

  • While Buying: Number of Units = SIP Amount / NAV
  • While Selling: Maturity Amount = Number of Units Accumulated * Latest NAV
  • Calculating Profits: Profits = Maturity Amount – Total Deposit Amount

Above formulas seem to be straightforward, when we buy and sell via Lump sum Investment. But when we do SIP, we need to track deposit amount, NAV values and current number of units we hold in various mutual funds.

I personally use Moneycontrol to track my SIP investments, and it provides us a good overview about our current investment portfolio.

Also you can check this video on SIP vs Lump sum investment in Mutual Funds:

YouTube player

Hope you have got good idea about SIP returns calculation using examples seen above. You should always check how much returns you would get on your SIP using the SIP calculator here. Also, it is important that you attach goals with the SIP amount you invest every month.

instant calculator click here

instant calculator click here


As seen above, you can easily calculate SIP Returns using the calculator available on this website. SIP or Systematic Investment Plan is one of the best ways to invest in stocks or equity mutual funds.

Over long term, you will get good returns compared to short term investment. So stay invested for long term.

Some more Reading:

SHOW your Support!

Found this Helpful? DONATE any amount to see more useful Content. Scan below QR code using any UPI App!

fincalc donate

UPI ID: abhilashgupta8149-1@okhdfcbank

Verify that you are “Paying Abhilash Gupta” before making the transaction so that it reaches me. It makes my Day 🙂

Thank you for Donating. Stay Tuned!

Income Tax Calculator App – FinCalC

For Income Tax Calculation on your mobile device, you can Download my Android App “FinCalC” which I have developed for you to make your income tax calculation easy.

What you can do with this mobile App?

  • Calculate Income Tax for new FY 2023-24 and previous FY 2022-23
  • Enter estimated Investments to check income tax with Old and New Tax Regime
  • Save income tax details and track regularly
  • Know how much to invest more to save income tax
  • More calculators including PPF, SIP returns, Savings account interest and lot more
Download Income Tax Calculator APP from play store
Download Income Tax Calculator APP from play store

Use Popular Calculators:

I’d love to hear from you if you have any queries about Personal Finance and Money Management.

JOIN Telegram Group and stay updated with latest Personal Finance News and Topics.

Download our Free Android App – FinCalC to Calculate Income Tax and Interest on various small Saving Schemes in India including PPF, NSC, SIP and lot more.

Follow the Blog and Subscribe to YouTube Channel to stay updated about Personal Finance and Money Management topics.

Leave a Comment

Your email address will not be published. Required fields are marked *