Imagine you decide to invest Rs 20,000 in an SIP over the long-term, hoping to achieve a Rs 1 crore corpus. Would it make more sense to split the amount into two SIPs? SIP Calculator: A Rs 10,000 monthly SIP can potentially grow to around Rs 3.53 crore in 30 years at an assumed 12% annual return. Check estimated SIP returns after 10, 20 and 30 years.