Investing ₹3,000 a month through a SIP for 10 years at an average return of 12% a year grows to about ₹6.97 lakh. You put in ₹3.6 lakh, so ₹3.37 lakh is returns. Keep going for 20 years and it could reach ₹29.97 lakh.
₹3,000 monthly SIP after 10 years (12% a year)
₹6,97,017
- You invest
- ₹3.6 lakh
- Returns
- ₹3.37 lakh
- After 20 years
- ₹29.97 lakh
₹3,000 SIP returns by years and rate
| Years | 8% a year | 10% a year | 12% a year | 15% a year |
|---|---|---|---|---|
| 5 years | ₹2.22 lakh | ₹2.34 lakh | ₹2.47 lakh | ₹2.69 lakh |
| 10 years | ₹5.52 lakh | ₹6.2 lakh | ₹6.97 lakh | ₹8.36 lakh |
| 15 years | ₹10.45 lakh | ₹12.54 lakh | ₹15.14 lakh | ₹20.31 lakh |
| 20 years | ₹17.79 lakh | ₹22.97 lakh | ₹29.97 lakh | ₹45.48 lakh |
| 25 years | ₹28.72 lakh | ₹40.14 lakh | ₹56.93 lakh | ₹98.52 lakh |
| 30 years | ₹45.01 lakh | ₹68.38 lakh | ₹1.06 crore | ₹2.1 crore |
Money invested vs returns at 12%
| Years | You invest | Returns | Value |
|---|---|---|---|
| 5 years | ₹1.8 lakh | ₹67,459 | ₹2.47 lakh |
| 10 years | ₹3.6 lakh | ₹3.37 lakh | ₹6.97 lakh |
| 15 years | ₹5.4 lakh | ₹9.74 lakh | ₹15.14 lakh |
| 20 years | ₹7.2 lakh | ₹22.77 lakh | ₹29.97 lakh |
| 25 years | ₹9 lakh | ₹47.93 lakh | ₹56.93 lakh |
| 30 years | ₹10.8 lakh | ₹95.1 lakh | ₹1.06 crore |
At 12% a year, ₹3,000 a month reaches ₹1 crore in about 29 years 7 months. The longer you stay invested, the bigger the share of the final value that comes from returns rather than your own money.
With a 10% yearly step-up
| Years | Flat ₹3,000 a month | Step-up 10% a year | Invested with step-up |
|---|---|---|---|
| 10 years | ₹6.97 lakh | ₹10.12 lakh | ₹5.74 lakh |
| 15 years | ₹15.14 lakh | ₹26.05 lakh | ₹11.44 lakh |
| 20 years | ₹29.97 lakh | ₹59.67 lakh | ₹20.62 lakh |
Compare nearby SIP amounts
| Monthly SIP | After 10 years | After 20 years |
|---|---|---|
| ₹1,500 a month | ₹3.49 lakh | ₹14.99 lakh |
| ₹2,000 a month | ₹4.65 lakh | ₹19.98 lakh |
| ₹2,500 a month | ₹5.81 lakh | ₹24.98 lakh |
| ₹3,000 a month | ₹6.97 lakh | ₹29.97 lakh |
| ₹4,000 a month | ₹9.29 lakh | ₹39.97 lakh |
| ₹5,000 a month | ₹11.62 lakh | ₹49.96 lakh |
| ₹7,500 a month | ₹17.43 lakh | ₹74.94 lakh |
Change the numbers
Frequently asked questions
How much will a ₹3,000 SIP give in 10 years?
About ₹6.97 lakh at 12% a year, from ₹3.6 lakh invested. At 10% a year it would be about ₹6.2 lakh.
How much will a ₹3,000 SIP give in 20 years?
About ₹29.97 lakh at 12% a year, from ₹7.2 lakh invested. With a 10% yearly step-up it could reach ₹59.67 lakh.
How long does a ₹3,000 SIP take to reach ₹1 crore?
At 12% a year, ₹3,000 a month reaches ₹1 crore in about 29 years 7 months.
Mutual fund returns are not guaranteed. Equity fund gains above ₹1.25 lakh a year are taxed at 12.5% when held over a year. An estimate. Related: All SIP amounts · SIP calculator · Lumpsum calculator · PPF returns