SIP of ₹3,000 per Month for 10 Years
₹3,000 a month at 12% grows to ₹7L in 10 years on ₹3.6L invested. Change the return, years, or add a yearly step-up.
Investing ₹3,000 every month for 10 years puts in ₹3,60,000. At 12% a year, the usual planning figure for equity funds, it grows to about ₹6,97,017, so ₹3,37,017 is growth. At a more cautious 10% the same SIP reaches ₹6,19,656; over 15 years it becomes ₹15,13,728. Use the step-up field if you can raise the amount each year with your salary.
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Optional. Raise the monthly amount every year, like a salary increase.
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Shows what the final amount is worth in today's money.
- Invested₹3,60,00052%
- Growth₹3,37,01748%
Stay in for 15 years instead of 10 and the value becomes ₹15,13,728, that is ₹8,16,711 more for only ₹1,80,000 extra invested.
One percent more, 13.0% instead of 12%, adds ₹43,025 over 10 years. Fees and fund choice matter about that much.Tip: a 10% yearly step-up would give ₹10,12,298.
| Year | Invested so far | Growth this year | Value |
|---|---|---|---|
| 1 | ₹36,000 | +₹2,428 | ₹38,428 |
| 2 | ₹72,000 | +₹7,302 | ₹81,730 |
| 3 | ₹1,08,000 | +₹12,793 | ₹1,30,523 |
| 4 | ₹1,44,000 | +₹18,982 | ₹1,85,505 |
| 5 | ₹1,80,000 | +₹25,955 | ₹2,47,459 |
Returns are not guaranteed. Figures are estimates before tax and fees, rounded for display.
How SIP returns are calculated
A Systematic Investment Plan puts a fixed amount into a mutual fund every month. The value at the end is M × [(1 + i)^n − 1] ÷ i × (1 + i), where M is the monthly amount, i the monthly return (annual ÷ 12) and n the number of months. Each instalment grows for a different length of time, which is why the total invested and the final value look so far apart after ten or fifteen years.
Step-up SIP
Raising the monthly amount every year, say by 10% along with your salary, has an outsized effect because the increases arrive while the fund still has years to grow. Turn on the step-up field to see the difference; over 15 years it often doubles the final value.
What return to expect
Equity funds in India have historically delivered 10–14% a year over long periods, debt funds 6–8%, but returns are not guaranteed and vary widely year to year. Use a conservative rate for planning and treat the result as an estimate, not a promise. Expense ratios and exit loads reduce the actual return.
Taxes
Gains on equity funds held over a year are taxed as long-term capital gains above an annual exemption; short-term gains are taxed higher. The figures here are before tax.
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