SIP Calculator: ₹3,000/month for 20 Years
At 12% expected annual returns - adjust inputs below to match your fund's performance.
Estimated Corpus
₹29.97 L
at 12% p.a.
Total Invested
₹7.20 L
at 12% p.a.
Wealth Gained
₹22.77 L
at 12% p.a.
Customize your SIP plan
Future Value
₹29.97 L
In today's money: ₹9.35 L(6% inflation)
Total Invested
₹7.20 L
Wealth Gained
₹22.77 L
Investment Growth Over Time
What SIP do I need to reach a goal?
What happens to ₹3,000/month SIP over 20 years?
A SIP of ₹3,000 per month for 20 years at 12% annual returns grows to ₹29.97 L. You invest a total of ₹7.20 L, but your money works harder - generating ₹22.77 L in returns through the power of compounding. That is a 316% return on your invested capital.
Frequently Asked Questions
What will ₹3,000 SIP per month grow to in 20 years?▾
A monthly SIP of ₹3,000 for 20 years at 12% annual returns will grow to approximately ₹29.97 L. You will have invested a total of ₹7.20 L, and the wealth gained from returns will be ₹22.77 L.
Is ₹3,000 per month a good SIP amount?▾
Any SIP amount is good as long as it is consistent and started early. ₹3,000/month for 20 years at 12% returns will give you ₹29.97 L - with only ₹7.20 L invested. The power of compounding does the rest.
Which mutual fund is best for a ₹3,000 SIP?▾
For long-term SIPs, large-cap or flexicap equity mutual funds are generally recommended. Funds from Axis, Mirae, Parag Parikh, and HDFC Flexicap have historically delivered 12–16% over 10+ years. Consult a SEBI-registered advisor for personalized recommendations.