Estimated maturity value, gains and growth of a ₹3,000 monthly SIP.
If you invest ₹3,000 every month for 5 years in a SIP that earns 12% a year, your investment of ₹1,80,000 could grow to about ₹2,47,459 — a gain of ₹67,459.
12% is an illustrative long-term equity return. Mutual fund returns are market-linked and not guaranteed.
| Annual return | Value after 5 years | Gains |
|---|---|---|
| 8% | ₹2,21,900 | ₹41,900 |
| 10% | ₹2,34,247 | ₹54,247 |
| 12% | ₹2,47,459 | ₹67,459 |
| 14% | ₹2,61,602 | ₹81,602 |
| 15% | ₹2,69,045 | ₹89,045 |
If you increase your SIP by 10% every year (₹3,000 this year, ₹3,300 next year and so on), you would invest ₹2,19,784 and could end up with about ₹2,95,371 — ₹47,912 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 |
At an assumed 12% annual return, a ₹3,000 monthly SIP for 5 years could grow to about ₹2,47,459. You would invest ₹1,80,000 in total.
No. SIPs in mutual funds are market-linked. The 12% figure is only an illustration; actual returns may be higher or lower.