What a ₹3,000 monthly SIP becomes in 20 years at 12% returns
₹3,000/month SIP for 20 years at 12% → invested ₹7,20,000, value ₹29,97,444, gains ₹22,77,444.
- Total invested
- ₹7,20,000
- Maturity value
- ₹29,97,444
- Wealth gained
- ₹22,77,444
| Return / tenure | Invested | Value | Gains |
|---|---|---|---|
| 10% p.a. | ₹7,20,000 | ₹22,97,091 | ₹15,77,091 |
| 12% p.a. | ₹7,20,000 | ₹29,97,444 | ₹22,77,444 |
| 15% p.a. | ₹7,20,000 | ₹45,47,865 | ₹38,27,865 |
| 5 years | ₹1,80,000 | ₹2,47,459 | ₹67,459 |
| 10 years | ₹3,60,000 | ₹6,97,017 | ₹3,37,017 |
| 15 years | ₹5,40,000 | ₹15,13,728 | ₹9,73,728 |
| 20 years | ₹7,20,000 | ₹29,97,444 | ₹22,77,444 |
| 25 years | ₹9,00,000 | ₹56,92,905 | ₹47,92,905 |
| 30 years | ₹10,80,000 | ₹1,05,89,741 | ₹95,09,741 |
How this is calculated
Value = A × ((1 + i)^n − 1) ÷ i × (1 + i), where A is the monthly amount, i the monthly return (annual ÷ 12 ÷ 100) and n the number of months.
SIP कैलकुलेटर: हर महीने की SIP 5, 10, 15 या 20 साल में कितनी बनेगी — कुल निवेश, मैच्योरिटी वैल्यू और फ़ायदा, सटीक आँकड़ों के साथ।
Frequently asked
How much will a ₹3,000/month SIP be worth after 20 years?
At 12% a year, about ₹29,97,444 — you invest ₹7,20,000 and gain ₹22,77,444. Returns are assumed, not guaranteed.
What return should I assume for a SIP?
Equity mutual funds in India have historically delivered 10–14% a year over 10+ year periods, but returns are not guaranteed. 12% is the common planning assumption; run 10% as a conservative case.
Does the SIP date matter?
Over long periods the SIP date makes a negligible difference. Consistency and staying invested through market falls matter far more than timing.
What is a step-up SIP?
Increasing the SIP amount every year (say 10%) as your income grows. A 10% annual step-up on a 20-year SIP roughly doubles the final corpus compared with a flat SIP.
Figures are computed exactly from the stated inputs. Bank rates, processing fees, insurance and taxes vary — treat this as the arithmetic, not an offer. Last computed October 2026.