Estimated maturity value, gains and growth of a ₹3,000 monthly SIP.
If you invest ₹3,000 every month for 10 years in a SIP that earns 12% a year, your investment of ₹3,60,000 could grow to about ₹6,97,017 — a gain of ₹3,37,017.
12% is an illustrative long-term equity return. Mutual fund returns are market-linked and not guaranteed.
| Annual return | Value after 10 years | Gains |
|---|---|---|
| 8% | ₹5,52,497 | ₹1,92,497 |
| 10% | ₹6,19,656 | ₹2,59,656 |
| 12% | ₹6,97,017 | ₹3,37,017 |
| 14% | ₹7,86,274 | ₹4,26,274 |
| 15% | ₹8,35,972 | ₹4,75,972 |
If you increase your SIP by 10% every year (₹3,000 this year, ₹3,300 next year and so on), you would invest ₹5,73,747 and could end up with about ₹10,12,298 — ₹3,15,281 more than a flat SIP.
| Duration | Invested | Value at 12% |
|---|---|---|
| 5 years | ₹1,80,000 | ₹2,47,459 |
| 10 years | ₹3,60,000 | ₹6,97,017 |
| 15 years | ₹5,40,000 | ₹15,13,728 |
| 20 years | ₹7,20,000 | ₹29,97,444 |
| 25 years | ₹9,00,000 | ₹56,92,905 |
| 30 years | ₹10,80,000 | ₹1,05,89,741 |
At 12%, a ₹3,000 monthly SIP crosses ₹1 crore in about 30 years.
| Year | Invested | Value |
|---|---|---|
| 1 | ₹36,000 | ₹38,428 |
| 2 | ₹72,000 | ₹81,730 |
| 3 | ₹1,08,000 | ₹1,30,523 |
| 4 | ₹1,44,000 | ₹1,85,505 |
| 5 | ₹1,80,000 | ₹2,47,459 |
| 6 | ₹2,16,000 | ₹3,17,271 |
| 7 | ₹2,52,000 | ₹3,95,937 |
| 8 | ₹2,88,000 | ₹4,84,580 |
| 9 | ₹3,24,000 | ₹5,84,465 |
| 10 | ₹3,60,000 | ₹6,97,017 |
At an assumed 12% annual return, a ₹3,000 monthly SIP for 10 years could grow to about ₹6,97,017. You would invest ₹3,60,000 in total.
No. SIPs in mutual funds are market-linked. The 12% figure is only an illustration; actual returns may be higher or lower.