How to start investing with just ₹1,000/Month or ₹10,000/Month?

To build wealth, you can start early and remain consistent. Even a small monthly amount can grow into a big corpus if:

• You remain disciplined 
• Choose the ideal mutual funds as per your risk appetite
• Increase the monthly SIP amount as your income grows

Let us see how your returns may change with changing variables, such as the SIP amount and investment period (all the calculations are made using a monthly SIP calculator): 
 

Case I: ₹1,000 per month SIP for 5 years

If you would have invested ₹1,000 per month for 5 years at a conservative 10% p.a. return, you could have accumulated around ₹77,437 today.
 

Case II: SIP ₹1,000 per month for 10 years

If you would have consistently invested ₹1,000 per month for 10 years, you could have accumulated a corpus of around ₹2,04,845 today (assumed returns of 10% p.a.).
 

Case III: ₹10,000 SIP for 5 years

If you would have invested ₹10,000 per month for a period of five years, your corpus could have been around ₹7,74,371 today (considered returns of 10% p.a.).

This would have happened because the higher the monthly SIP, the greater could be the accumulated corpus.

Case IV: ₹10,000 SIP for 10 years 

If you would have invested ₹10,000 SIP for 10 years, you could have built a corpus of around ₹20,48,450 today (assumed at 10% p.a.). 

Disclaimer: 

1. The above figures are illustrative and calculated using the monthly SIP calculator.
2. They are meant for reference only. Actual returns may vary depending on market conditions and fund performance. 
3. Considering Equity Category, Nifty 50 Index CAGR Return is 12.93% (Return calculated by taking mean of 10 years rolling return between 01/06/13 and 30/05/23). 
4. Mean returns for Gold 9.34%, Sensex: 12.64% and 10-year G-Sec: 7.20%.
5. Past performance may or may not be sustained in future and is not a guarantee and / or indicative of any future returns. 

Whether you wish to start with a ₹1,000 per month SIP for 5 years or a ₹10,000 SIP for 10 years for long-term potential wealth creation, you can consider the following five mutual fund schemes as per your risk appetite:

An Open-Ended Exchange Traded Fund replicating / tracking domestic price of Gold.

Tata Gold Exchange Traded Fund is an open-ended ETF. This mutual fund aims to mirror the domestic price of physical gold. Its objective is to provide returns in line with gold’s performance (subject to tracking error). 

By investing in this fund, you can gain gold exposure without physically buying or storing it. This fund can be suitable for those looking to diversify their portfolio or hedge against inflation through a gold-linked investment.

(An Open-Ended Fund of Fund Scheme investing in Tata Gold Exchange Traded Fund)

This scheme is an open-ended Fund of Fund (FoF) that invests mainly in the Tata Gold Exchange Traded Fund.

For those unaware, an FOF is a mutual fund type that invests in another fund instead of directly buying assets like stocks or gold. In this case, your money is invested in the Tata Gold ETF, which in turn invests in physical gold. 

Disclaimer: Investors are requested to note that they will be bearing the recurring expenses of the fund of funds scheme, in addition to  the  expenses of  underlying  scheme in  which  the fund  of funds scheme makes investments.

An Open-ended fund of fund scheme investing in Tata Silver Exchange Traded Fund

Tata Silver ETF Fund of Fund is an open-ended mutual fund that invests in the Tata Silver Exchange Traded Fund (which in turn holds physical silver). By investing through a ₹1,000 per month SIP for 5 years or a ₹10,000 SIP for 10 years, you get an indirect ownership of silver. There is no need to buy, store, or secure it yourself. 

By investing in this scheme, you gain exposure to both the precious metal and its growing industrial demand. As of August 11, 2025, this scheme has offered a CAGR of 30.86% p.a. for 1 year and 30.85% since inception.

Disclaimer: Investors are requested to note that they will be bearing the recurring expenses of the fund of funds scheme, in addition  to  the expenses  of  underlying scheme  in  which the  fund  of funds scheme makes investments.

Tata Silver ETF An Open-Ended Exchange Traded Fund replicating / tracking domestic price of Silver

An open ended scheme replicating/tracking Nifty MidSmall Healthcare Index (TRI)

This mutual fund scheme mirrors the performance of the Nifty MidSmall Healthcare Index (TRI), which tracks mid- and small-cap healthcare companies in India. The portfolio covers both preventive and curative healthcare segments, such as:

• Pharmaceuticals
• Hospitals
• Diagnostics
• Medical equipment

The index tracked by this scheme can hold up to 30 stocks from the Nifty MidSmallcap 400. The selection is made based on six months’ average free-float market capitalisation. 

An open ended scheme replicating/tracking Nifty Financial Services Index

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The Tata Nifty Financial Services Index Fund is a passively managed mutual fund that tries to replicate the Nifty Financial Services Index (TRI). This index tracks the performance of major financial services sectors in India, such as:

• Banks
• NBFCs
• Insurance providers
• Other financial institutions

By investing through a ₹1,000 per month SIP for 5 years, you can earn returns in line with this index (before expenses). The Nifty Financial Services Index (TRI) can include up to 20 stocks. They are selected from Nifty 500 companies that belong to the financial services sector. 

As a beginner, you can start with TATA MF EasyInvest. It allows you to invest in two mutual funds at once:

• Start by parking your money in a debt fund (e.g. Scheme A)
• Gradually move it to an equity fund (e.g. Scheme B) every month

Let’s see how this works:

• You start with a ₹1,000 per month SIP for 5 years or a ₹10,000 SIP for 10 years.
• Your money goes into a debt fund.
• You receive units in your account for the debt fund.
• Every month, ₹1,000 or more (as you choose) is moved from the debt fund Scheme A to the Scheme B.

The benefit? Your money first potentially earns returns in a safer/ less-risky debt fund. After that, a part of it is slowly moved into the stock market so it can potentially grow more over time. For more information, you can visit www.tatamutualfund.com.

The Investor Service Centre of Tata Asset Management Pvt. Ltd. is located at Mulla House, Ground Floor, 51, M.G. Road, Near Flora Fountain, Mumbai – 400 001, Maharashtra. The office hours are: 

• Monday to Friday, 9:00 AM to 5:30 PM and
• Monday to Saturday, 9:00 AM to 5:30 PM

For assistance, you can also call (022) 6282 7777 or email service@tataamc.com

By investing through a ₹1,000 per month SIP for 5 years or a ₹10,000 SIP for 10 years, you can potentially build wealth gradually. SIPs allow you to start investing with small amounts and watch your corpus potentially grow over time through compounding returns. You can try investing in different types of mutual funds to balance your risk exposure and potential returns.