Investment Summary
| Monthly SIP Amount | ₹3,000 |
| Annual Return Rate (assumed) | 12% |
| Investment Period | 15 years (180 months) |
| Total Amount Invested | ₹5,40,000 |
| Estimated Wealth Gained | ₹9,73,728 |
| Maturity Value after 15 Years | ₹15,13,728 |
Key Insight: You invest ₹5,40,000 over 15 years, but your money grows to ₹15,13,728. The extra ₹9,73,728 comes purely from compounding — your money earning returns on returns every month.
SIP Returns Across Different Time Periods
See how the same monthly investment grows exponentially over time:
| Time Period | Total Invested | Wealth Gained | Maturity Value |
|---|---|---|---|
| 5 years | ₹1,80,000 | ₹67,459 | ₹2,47,459 |
| 10 years | ₹3,60,000 | ₹3,37,017 | ₹6,97,017 |
| 15 years | ₹5,40,000 | ₹9,73,728 | ₹15,13,728 |
| 20 years | ₹7,20,000 | ₹22,77,444 | ₹29,97,444 |
| 25 years | ₹9,00,000 | ₹47,92,905 | ₹56,92,905 |
| 30 years | ₹10,80,000 | ₹95,09,741 | ₹1,05,89,741 |
Year-Wise Growth Breakdown
| Year | Total Invested | Returns Earned | Portfolio Value |
|---|---|---|---|
| Year 5 | ₹1,80,000 | ₹67,459 | ₹2,47,459 |
| Year 10 | ₹3,60,000 | ₹3,37,017 | ₹6,97,017 |
| Year 15 | ₹5,40,000 | ₹9,73,728 | ₹15,13,728 |
Want to Calculate with Your Own Numbers?
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Use SIP CalculatorFrequently Asked Questions
How much will ₹3,000 SIP give after 15 years?
At 12% annual returns, a monthly SIP of ₹3,000 grows to ₹15,13,728 in 15 years. You invest ₹5,40,000 and earn ₹9,73,728 as returns — a wealth gain of 180%.
Is SIP better than FD for long-term goals?
For 15+ year goals, SIP in equity mutual funds has historically outperformed FDs significantly. An FD at 7% would give you around ₹15,29,181 on the same ₹5,40,000 lump sum, vs SIP's potential ₹15,13,728 through regular investing.
What if returns are lower — say 10% instead of 12%?
At 10% annual returns, your ₹3,000/month SIP for 15 years would grow to ₹12,53,773. At 8% it would be ₹10,45,035. Starting early and staying invested matters more than chasing the exact return rate.
What is the best SIP amount to start with?
Start with what you can sustain consistently. Even ₹500/month builds the habit. The real power of SIP is rupee cost averaging — buying more units when markets fall, fewer when they rise. Increase your SIP by 10% every year (step-up SIP) to dramatically boost the final corpus.
How is SIP taxed in India?
Each SIP instalment is treated as a separate investment. For equity funds: gains held over 12 months are LTCG taxed at 10% above ₹1 lakh exemption. Gains under 12 months are STCG at 15%. For debt funds, all gains are taxed at your income slab rate.