₹3,000 SIP per month — what it becomes
What does ₹3,000 SIP a month become in 20 years?
₹27.6 L
At 12% a year. You invest ₹7,20,000; the other ₹20.4 L is growth.
Open in the SIP calculatorValue by time and return
| Years | Invested | At 8% | At 10% | At 12% | At 14.000000000000002% |
|---|---|---|---|---|---|
| 5 | ₹1.8 L | ₹2.2 L | ₹2.32 L | ₹2.43 L | ₹2.56 L |
| 10 | ₹3.6 L | ₹5.44 L | ₹6.04 L | ₹6.72 L | ₹7.48 L |
| 15 | ₹5.4 L | ₹10.19 L | ₹12.05 L | ₹14.28 L | ₹16.96 L |
| 20 | ₹7.2 L | ₹17.18 L | ₹21.72 L | ₹27.6 L | ₹35.2 L |
| 25 | ₹9 L | ₹27.45 L | ₹37.29 L | ₹51.07 L | ₹70.34 L |
| 30 | ₹10.8 L | ₹42.53 L | ₹62.38 L | ₹92.43 L | ₹1.38 Cr |
Make it yours
Change any number
₹
₹3 thousand
₹
Already invested, or a bonus you’re putting in now — leave 0 if none
%
Equity 10–12% · Hybrid 8–10% · Debt 6–7%. Compounded at 0.949% a month, which makes exactly 12.0% a year.
yrs
%
A step-up in line with salary hikes makes a huge difference
Value after 20 years
₹27,59,572
You invest ₹7,20,000 · gains of ₹20,39,572
How it grows
Your moneyGains
Your money vs the market’s
Multiplied
3.8×
Invested
₹7,20,000
Gains
₹20,39,572
At 12% your money doubles roughly every 6.0 years (the rule of 72). From year 12, gains are bigger than everything you’ve put in.
Questions people ask
What will a ₹3,000 SIP be worth in 10 years?
About ₹6.72 L at 12% a year, from ₹3.6 L invested. At 10% it’s about ₹6.04 L.
How long does a ₹3,000 SIP take to reach ₹1 crore?
About 31 years at 12% a year, without any step-up. With a 10% yearly step-up it gets there much sooner.
What if I increase it every year?
With a 10% step-up each year, ₹3,000 SIP for 20 years at 12% grows to about ₹55.89 L instead of ₹27.6 L.
Are these returns guaranteed?
No. Equity mutual funds have delivered around 10–13% a year over long periods in India, with big swings in between. Use these as planning estimates, not promises.