₹3,000 sip for 20 years
₹3,000 a month for 20 years grows to about ₹29,97,444 (29.97 lakh) at an assumed 12% annual return: you invest ₹7,20,000 and the projected gain is ₹22,77,444. at 10% it is about ₹22,97,091, at 15% about ₹45,47,865.
at different returns
| assumed return | projected value | projected gain |
|---|---|---|
| 8% a year | ₹17,78,842 | ₹10,58,842 |
| 10% a year | ₹22,97,091 | ₹15,77,091 |
| 12% a year | ₹29,97,444 | ₹22,77,444 |
| 15% a year | ₹45,47,865 | ₹38,27,865 |
you invest the same ₹7,20,000 in every row. only the assumed return changes.
year by year at 12%
| after | invested | projected value |
|---|---|---|
| year 1 | ₹36,000 | ₹38,428 |
| year 2 | ₹72,000 | ₹81,730 |
| year 3 | ₹1,08,000 | ₹1,30,523 |
| year 4 | ₹1,44,000 | ₹1,85,505 |
| year 5 | ₹1,80,000 | ₹2,47,459 |
| year 10 | ₹3,60,000 | ₹6,97,017 |
| year 15 | ₹5,40,000 | ₹15,13,728 |
| year 20 | ₹7,20,000 | ₹29,97,444 |
with a 10% yearly step-up
if you raise the ₹3,000 by 10% every year (from month 13), the same 20 years at 12% grow to about ₹59,66,615 on ₹20,61,900 invested.
in today's money
at 6% inflation, ₹29,97,444 in 20 years buys about what ₹9,34,617 buys today.
how this is worked out
monthly rate i = 12 / 12 / 100 = 1%, n = 240 months. with each payment at the start of the month, value = P x ((1 + i)^n - 1) / i x (1 + i) = ₹3,000 x ((1.01)^240 - 1) / 0.01 x 1.01 = ₹29,97,443.76.
illustrative only. mutual fund returns are not fixed or guaranteed; this assumes payments at the start of every month, the annual return compounded monthly (12% = 1% a month), and ignores tax, exit loads and fees. not investment advice.
same ₹3,000 a month, other durations
5 years 10 years 15 years 25 years 30 years
other amounts for 20 years
₹1,000 ₹2,000 ₹5,000 ₹10,000 ₹15,000 ₹20,000 ₹25,000 ₹50,000
all sip amounts and durations · sip calculator with your own numbers
questions people ask
What will a ₹3,000 SIP become in 20 years?
About ₹29,97,444 at an assumed 12% annual return. You invest ₹7,20,000 and the projected gain is about ₹22,77,444. At 10% it is about ₹22,97,091, at 15% about ₹45,47,865. Returns are not guaranteed.
How much do I invest in a ₹3,000 monthly SIP for 20 years?
₹7,20,000: ₹3,000 x 240 months.
What if I step up my ₹3,000 SIP by 10% every year for 20 years?
At 12% it grows to about ₹59,66,615, on ₹20,61,900 invested.