₹3,000 per month SIP Returns
At 12% expected annual return - adjust below to match your actual return assumptions.
Corpus (15 years)
₹15.14 lakh
at 12% p.a.
Total Invested
₹5.40 lakh
at 12% p.a.
Wealth Gained
₹9.74 lakh
at 12% p.a.
₹3,000/month SIP - Returns Across Time Horizons (at 12%)
| Duration | Total Invested | Wealth Gained | Final Corpus |
|---|---|---|---|
| 5 years | ₹1.80 lakh | ₹67,459 | ₹2.47 lakh |
| 10 years | ₹3.60 lakh | ₹3.37 lakh | ₹6.97 lakh |
| 15 years | ₹5.40 lakh | ₹9.74 lakh | ₹15.14 lakh |
| 20 years | ₹7.20 lakh | ₹22.77 lakh | ₹29.97 lakh |
| 25 years | ₹9.00 lakh | ₹47.93 lakh | ₹56.93 lakh |
| 30 years | ₹10.80 lakh | ₹95.10 lakh | ₹1.06 crore |
Adjust to your exact SIP terms
Future Value
₹15.14 L
Total Invested
₹5.40 L
Wealth Gained
₹9.74 L
Investment Growth Over Time
What will ₹3,000 SIP return after 15 years?
A ₹3,000 per month SIP for 15 years at 12% annual returns (the historical average for diversified equity mutual funds in India) grows to approximately ₹15.14 lakh. You invest ₹5.40 lakh in total and the remaining ₹9.74 lakh is pure compounding - returns earned on your previous returns.
These projections assume a constant 12% annual return. Actual mutual fund returns vary year to year. Use the calculator above to model different return scenarios (10%, 12%, 15%) and durations.
Frequently Asked Questions
What will ₹3,000 per month SIP give after 15 years?▾
A ₹3,000 per month SIP for 15 years at 12% expected annual return (historical equity average) will grow to approximately ₹15.14 lakh. You would invest ₹5.40 lakh in total, and your wealth gain through compounding would be ₹9.74 lakh.
How much will ₹3,000 SIP grow in 20 years?▾
At 12% annual returns, ₹3,000 per month SIP for 20 years will grow to ₹29.97 lakh. Total invested: ₹7.20 lakh. The extra 5 years (compared to a 15-year SIP) nearly doubles your corpus due to compounding in the later years.
Is ₹3,000 per month SIP enough to retire?▾
Whether ₹3,000 per month SIP is sufficient for retirement depends on your age, retirement age, and monthly expenses. At 12% returns for 25 years, this SIP grows to ₹56.93 lakh. Use the interactive calculator above to adjust the timeline based on your retirement target.