₹3,000 sip for 5 years
₹3,000 a month for 5 years grows to about ₹2,47,459 (2.47 lakh) at an assumed 12% annual return: you invest ₹1,80,000 and the projected gain is ₹67,459. at 10% it is about ₹2,34,247, at 15% about ₹2,69,045.
at different returns
| assumed return | projected value | projected gain |
|---|---|---|
| 8% a year | ₹2,21,900 | ₹41,900 |
| 10% a year | ₹2,34,247 | ₹54,247 |
| 12% a year | ₹2,47,459 | ₹67,459 |
| 15% a year | ₹2,69,045 | ₹89,045 |
you invest the same ₹1,80,000 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 |
with a 10% yearly step-up
if you raise the ₹3,000 by 10% every year (from month 13), the same 5 years at 12% grow to about ₹2,95,371 on ₹2,19,784 invested.
in today's money
at 6% inflation, ₹2,47,459 in 5 years buys about what ₹1,84,916 buys today.
how this is worked out
monthly rate i = 12 / 12 / 100 = 1%, n = 60 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)^60 - 1) / 0.01 x 1.01 = ₹2,47,459.10.
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
10 years 15 years 20 years 25 years 30 years
other amounts for 5 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 5 years?
About ₹2,47,459 at an assumed 12% annual return. You invest ₹1,80,000 and the projected gain is about ₹67,459. At 10% it is about ₹2,34,247, at 15% about ₹2,69,045. Returns are not guaranteed.
How much do I invest in a ₹3,000 monthly SIP for 5 years?
₹1,80,000: ₹3,000 x 60 months.
What if I step up my ₹3,000 SIP by 10% every year for 5 years?
At 12% it grows to about ₹2,95,371, on ₹2,19,784 invested.