₹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
In today's money: ₹6.32 L(6% inflation)
Total Invested
₹5.40 L
Wealth Gained
₹9.74 L
Investment Growth Over Time
What SIP do I need to reach a goal?
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.
₹3,000/month at different return rates (20 years)
| Annual return | Corpus (20 yr) | Wealth gained |
|---|---|---|
| 10% · conservative | ₹22.97 lakh | ₹15.77 lakh |
| 12% (used here) | ₹29.97 lakh | ₹22.77 lakh |
| 15% · aggressive | ₹45.48 lakh | ₹38.28 lakh |
Step it up 10%/year
₹59.66 lakh
about ₹29.69 lakh more than a flat SIP over 20 years.
Worth in today's money
₹9.35 lakh
the 20-year corpus adjusted for 6% inflation.
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) grows to approximately ₹15.14 lakh. You invest ₹5.40 lakh in total, and ₹9.74 lakh of that is wealth gained through compounding.
How much will ₹3,000 SIP grow in 20 years?▾
At 12% annual returns, ₹3,000 per month SIP for 20 years grows to ₹29.97 lakh from ₹7.20 lakh invested. The extra 5 years over a 15-year SIP adds far more than 5 years of contributions, because the later years compound on a much larger base.
How much does the return rate matter for ₹3,000 SIP?▾
A lot. Over 20 years, ₹3,000/month gives about ₹22.97 lakh at a conservative 10%, ₹29.97 lakh at 12%, and ₹45.48 lakh at an aggressive 15%. Plan with 10–12% and treat higher returns as a bonus, since equity returns are never guaranteed.
What if I step up ₹3,000 SIP by 10% a year?▾
Raising ₹3,000/month by 10% each year (in line with salary hikes) grows the 20-year corpus to about ₹59.66 lakh — roughly ₹29.69 lakh more than a flat SIP. Step-up SIPs are one of the simplest ways to reach a bigger goal.
What is ₹29.97 lakh worth in today's money?▾
Adjusted for 6% inflation, the ₹29.97 lakh corpus after 20 years is worth about ₹9.35 lakh in today's purchasing power. Equity SIPs are used precisely because they aim to outpace inflation over long periods.
Is ₹3,000 per month SIP enough to retire?▾
It depends on your age, retirement age, and expenses. At 12% for 25 years, ₹3,000/month grows to ₹56.93 lakh. As a rough guide, you need a corpus of about 25–30× your annual expenses at retirement — use the calculator to work backwards from your target.