₹3,000 a month SIP: how much will it grow?
Rules for FY 2026-27 · Checked 24 October 2026
Short answer
At 12% a year, a ₹3,000 monthly SIP grows to ₹6.97L in 10 years and ₹29.97L in 20 years. It reaches ₹1 crore in about 29 years 7 months. Returns are not guaranteed; the table shows 10% and 14% too.
- After 10 years₹6.97L₹3.6L invested
- After 20 years₹29.97L₹7.2L invested
- With 10% yearly step-up₹59.67LAfter 20 years
- To reach ₹1 crore30 yearsAt 12% a year
₹3,000 SIP returns table
| Years | Invested | At 10% | At 12% | At 14% |
|---|---|---|---|---|
| 5 years | ₹1.8L | ₹2.34L | ₹2.47L | ₹2.62L |
| 10 years | ₹3.6L | ₹6.2L | ₹6.97L | ₹7.86L |
| 15 years | ₹5.4L | ₹12.54L | ₹15.14L | ₹18.39L |
| 20 years | ₹7.2L | ₹22.97L | ₹29.97L | ₹39.49L |
| 25 years | ₹9L | ₹40.14L | ₹56.93L | ₹81.82L |
| 30 years | ₹10.8L | ₹68.38L | ₹1.06Cr | ₹1.67Cr |
Each instalment is invested at the start of the month and compounds monthly. Mutual fund returns go up and down; use the rates as a range, not a promise.
Change the numbers
Value after 20 years₹29,97,444
29.97 lakh from ₹7,20,000 invested.
- Your money grows 4.16×.
- From year 11, your returns are bigger than everything you put in.
- Leave it 5 more years and it becomes ₹54.45L.
Total value₹29.97L
- Amount invested₹7,20,000
- Estimated returns₹22,77,444
Year-by-year table
| Year | Invested | Returns | Value |
|---|---|---|---|
| 1 | ₹36,000 | ₹2,428 | ₹38,428 |
| 2 | ₹72,000 | ₹9,730 | ₹81,730 |
| 3 | ₹1,08,000 | ₹22,523 | ₹1,30,523 |
| 4 | ₹1,44,000 | ₹41,505 | ₹1,85,505 |
| 5 | ₹1,80,000 | ₹67,459 | ₹2,47,459 |
| 6 | ₹2,16,000 | ₹1,01,271 | ₹3,17,271 |
| 7 | ₹2,52,000 | ₹1,43,937 | ₹3,95,937 |
| 8 | ₹2,88,000 | ₹1,96,580 | ₹4,84,580 |
| 9 | ₹3,24,000 | ₹2,60,465 | ₹5,84,465 |
| 10 | ₹3,60,000 | ₹3,37,017 | ₹6,97,017 |
| 11 | ₹3,96,000 | ₹4,27,844 | ₹8,23,844 |
| 12 | ₹4,32,000 | ₹5,34,757 | ₹9,66,757 |
| 13 | ₹4,68,000 | ₹6,59,793 | ₹11,27,793 |
| 14 | ₹5,04,000 | ₹8,05,254 | ₹13,09,254 |
| 15 | ₹5,40,000 | ₹9,73,728 | ₹15,13,728 |
| 16 | ₹5,76,000 | ₹11,68,135 | ₹17,44,135 |
| 17 | ₹6,12,000 | ₹13,91,762 | ₹20,03,762 |
| 18 | ₹6,48,000 | ₹16,48,318 | ₹22,96,318 |
| 19 | ₹6,84,000 | ₹19,41,976 | ₹26,25,976 |
| 20 | ₹7,20,000 | ₹22,77,444 | ₹29,97,444 |
Frequently asked questions
How much will a ₹3,000 SIP be worth in 10 years?
About ₹6.97L at 12% a year, from ₹3.6L invested. At 10% it would be ₹6.2L.
How much will a ₹3,000 SIP be worth in 20 years?
About ₹29.97L at 12% a year. Raising the SIP by 10% every year takes it to about ₹59.67L.
How long does a ₹3,000 SIP take to reach ₹1 crore?
About 29 years 7 months at 12% a year, if you keep investing every month.