# Rs 10,000 SIP likely to beat Rs 10 lakh FD in 15-year wealth race

2026-08-13T16:45:49+00:00 | Business & Economy | Indian Opinion Desk

Corroboration: 1 independent outlet

A Rs 10,000 monthly systematic investment plan (SIP) could generate a far larger corpus than a Rs 10 lakh fixed deposit (FD) over 15 years, according to a projection by Livemint. Assuming a 12% annual return, the SIP would build an estimated Rs 50.46 lakh from a total investment of Rs 18 lakh. In contrast, a Rs 10 lakh FD earning 6.5% annually would yield about Rs 26.3 lakh at maturity. The SIP requires no lump sum and benefits from compounding but carries market risk. The FD offers predictable returns and capital safety. The choice depends on the investor's risk appetite, goals, and time horizon.

## Coverage

- livemint.com <https://www.livemint.com/money/personal-finance/rs-10-000-monthly-sip-vs-rs-10-lakh-fd-which-investment-could-create-more-wealth-in-15-years-11786626506755.html>

Tags: fixed deposit, investment comparison, mutual funds, SIP, wealth creation
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