What ₹3,000 a month can grow to
A SIP of ₹3,000 a month for 20 years at 12% could grow to ₹29.97 lakh, from ₹7.2 lakh that you put in. Returns are not guaranteed; the table shows a cautious, a middle and an optimistic rate.
| Period | You invest | At 10% | At 12% | At 14% |
|---|---|---|---|---|
| 5 years | ₹1,80,000 | ₹2.34 lakh | ₹2.47 lakh | ₹2.62 lakh |
| 10 years | ₹3,60,000 | ₹6.2 lakh | ₹6.97 lakh | ₹7.86 lakh |
| 15 years | ₹5,40,000 | ₹12.54 lakh | ₹15.14 lakh | ₹18.39 lakh |
| 20 years | ₹7,20,000 | ₹22.97 lakh | ₹29.97 lakh | ₹39.49 lakh |
| 25 years | ₹9,00,000 | ₹40.14 lakh | ₹56.93 lakh | ₹81.82 lakh |
| 30 years | ₹10,80,000 | ₹68.38 lakh | ₹1.06 crore | ₹1.67 crore |
How long to reach ₹1 crore?
At 12% a year, ₹3,000 a month reaches ₹1 crore in about 30 years. With a 10% step-up every year, it gets there in about 24 years.
Change the amount, return or add a step-up in the SIP calculator.
Questions people ask
What is the return on a ₹3,000 SIP for 10 years?
At 12% a year, about ₹6.97 lakh from ₹3.6 lakh invested. At 10% it is ₹6.2 lakh.