Mutual Fund SIP Return: Money grows over a period of time, thanks to the power of compounding. You may reject claims of somebody when they ever say that even with Rs 300 per day, you may make over Rs 1 crore in a certain number of years. However, you would be wrong as this is very much possible! Of course, it can't happen in a day and certainly never if you wish to make your first crore in a very short time. To make a rough assessment of how much wealth you may accumulate over a period of time by saving as little as Rs 100, Rs 200 or Rs 300 per day and investing the money at the end of the month, you can take help of a number of online Mutual Fund Systematic Investment Plan (SIP) calculators made available for free by leading companies, including SBI and HDFC Mutual funds. 

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While several mutual funds report a rate of return of over 10%, here's a look at how much you may get at this very conservative rate with Rs 100, Rs 200, and Rs 300 in 5, 10, 15, 20 and 25 years.

Mutual Fund SIP Investment: Rs 100/day

In five years, you may get up to Rs 2,31,514 at an expected rate of return of 10%. The invested amount would be Rs 1.8 lakh while the gain you may make would be around Rs 51,514.

In 10 years, you may get up to Rs 6,04,371 at an expected rate of return of 10%. The total amount invested by you would be Rs 3.6 lakh while the gain you will make would be around Rs 244371.

In 15 years, you may get up to Rs 12,04,859 at an expected rate of return of 10%. The total invested amount by you would be Rs 5.4 lakh while the gain you may make would be around Rs 6,64,859.

In 20 years, you may get up to Rs 21,71,949 at an expected rate of return of 10%. The total invested amount by you would be Rs 7.2 lakh while the gain you may make would be around Rs 14,51,949.

In 25 years, you may get up to Rs 37,29,454 at an expected rate of return of 10%. The total invested amount by you would be Rs 9 lakh while the gain you may make would be around Rs 28,29,454.

Mutual Fund SIP Investment: Rs 200/day 

In five years, you may get up to Rs 4,63,029 at an expected rate of return of 10%. The total invested amount by you would be Rs 3.6 lakh while the gain you may make would be around Rs 1,03,029.

In 10 years, you may get up to Rs 12,08,742 at an expected rate of return of 10%. The total invested amount by you would be Rs 7.2 lakh while the gain you may make would be around Rs 4,88,742.

In 15 years, you may get up to Rs 24,09,718 at an expected rate of return of 10%. The total invested amount by you would be Rs 10.8 lakh while the gain you may make would be around Rs 13,29,718.

In 20 years, you may get up to Rs 43,43,898 at an expected rate of return of 10%. The total invested amount by you would be Rs 14.4 lakh while the gain you may make would be around Rs 29,03,898.

In 20 years, you may get up to Rs 43,43,898 at an expected rate of return of 10%. The total invested amount by you would be Rs 14.4 lakh while the gain you may make would be around Rs 29,03,898.

In 20 years, you may get up to Rs 43,43,898 at an expected rate of return of 10%. The total invested amount by you would be Rs 14.4 lakh while the gain you may make would be around Rs 29,03,898.

In 25 years, you may get up to Rs 74,58,909 at an expected rate of return of 10%. The total invested amount by you would be Rs 18 lakh while the gain you may make would be around Rs 56,58,909

Mutual Fund SIP Investment: Rs 300/day

In five years, you may get up to Rs 6,94,544 at an expected rate of return of 10%. The total invested amount by you would be Rs 5,40,000 while the gain you may make would be around Rs 1,54,544.

In 10 years, you may get up to Rs 18,13,114 at an expected rate of return of 10%. The total invested amount by you would be Rs 10,80,000 while the gain you may make would be around Rs 7,33,114.

In 15 years, you may get up to Rs 36,14,578 at an expected rate of return of 10%. The total invested amount by you would be Rs 16,20,000 while the gain you may make would be around Rs 19,94,578.

In 20 years, you may get up to Rs 65,15,848 at an expected rate of return of 10%. The total invested amount by you would be Rs 21,60,000 while the gain you may make would be around Rs 43,55,848.

In 25 years, you may get up to a whopping Rs 1,11,88,363 at an expected rate of return of 10%. The total invested amount by you would be Rs 27,00,000 while the gain you may make would be around Rs 84,88,363.

If you are young, say 25 years old, and started working recently, you may end up a crorepati several years before retirement by saving as little as Rs 300 per day.

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Disclaimer: Mutual Fund investments are subject to market risks. Hence, take professional advice, do your own research, read documents carefully and be aware of developments in the market. 

Note: A typing error in the article has been corrected and updated on 15-04-2015. An earlier version erroneously mentioned Rs 10, Rs 20, Rs 30 instead of Rs 100, Rs 200 and Rs 300 respectively. The error is regretted. 

(Online calculators have been used for this article.)