SIP Returns Cheat Sheet 2026

Why a one-page SIP cheat sheet beats a calculator

A calculator answers one question at a time. A cheat sheet shows the entire compounding curve at a glance — so you can see how ₹10,000/month at 12% turns into roughly ₹1 crore over 20 years, or how doubling your SIP from ₹5,000 to ₹10,000 doesn't double your corpus over 30 years, it more than doubles it, because every additional rupee gets the same compounding tail. Printing this one page on your wall is a cheap behavioural nudge to keep contributing through market dips.

The power of compounding — explained in one number

A ₹10,000 monthly SIP at 12% grows to ₹23 lakh in 10 years, ₹1 crore in 20 years, and ₹3.5 crore in 30 years. The first crore takes 20 years; the next two crore take only 10 more. That is compounding doing its real work — most of the wealth is built in the final third of the timeline. The sheet visualises this, so quitting at year 15 to ride out a bear market becomes obviously self-defeating.

Step-up SIP — the cheat code

A flat ₹10,000/month SIP for 30 years builds ₹3.5 crore. Stepping it up by just 10% every year — matching typical Indian salary growth — pushes the same horizon to ₹6.8 crore. The cheat sheet includes a step-up table so you can pick a starting SIP and an escalation rate together. Most apps (Groww, Kuvera, Coin) let you automate the annual step-up; the only friction is choosing a number on day one.

Pair with a real fund

The 12% assumption matches the long-run average of a diversified Indian flexi-cap fund. Browse our mutual funds catalogue for live NAVs and 5-year rolling returns, or run your own numbers in our SIP calculator.

Disclaimer: Mutual fund returns are subject to market risk. Past performance does not guarantee future returns; 12% is an illustrative long-term assumption only.