SIP Calculator for ₹3K/month — 10 Years Returns
Your monthly investment of ₹3K/month at 12% for 10 Years grows to ₹6.97 L.
Maturity Value
₹6.97 L
Total Invested
₹3.60 L
Est. Returns
₹3.37 L
Wealth Gain
93.6%
Breakdown
Invested: ₹3.60 L (52%)
Returns: ₹3.37 L (48%)
📊 Interactive Growth Analysis
Invested vs Returns
Wealth Growth Over Time
Scenario Comparison
| Metric | Your plan | +2% Returns (14.0%) | +5 Years (15yr) |
|---|---|---|---|
| Total Invested | ₹3.60 L | ₹3.60 L | ₹5.40 L |
| Maturity Value | ₹6.97 L | ₹7.86 L ↑ ₹89,257 | ₹15.14 L ↑ ₹8.17 L |
| Est. Returns | ₹3.37 L | ₹4.26 L | ₹9.74 L |
💡 Understanding SIP Returns on ₹3K/month
A ₹3K/month SIP is a popular investment amount for working professionals. At 12% expected annual returns over 10 Years, your total investment of ₹3.60 L grows to ₹6.97 L — generating ₹3.37 L in estimated returns. That's a 94% wealth gain on your invested capital.
The power of compounding means even small increases in your SIP amount create dramatic differences over time. Increasing from ₹3K/month to ₹6K/month doubles your maturity value proportionally. Consider setting up a step-up SIP that increases by 10% each year — this mirrors your salary growth and significantly boosts your final corpus.