A SIP of ₹3,000 a month for 15 years can grow to about ₹15.1 lakh (₹15,13,728) at a 12% yearly return. You put in ₹5,40,000 and growth adds ₹9,73,728.
₹3,000 ki SIP 15 saal me 12% return par lagbhag ₹15.1 lakh ban sakti hai. Return guaranteed nahi hai; market ke hisaab se kam-zyada ho sakta hai.
| Year | You put in | It becomes |
|---|---|---|
| 1 | ₹36,000 | ₹38,428 |
| 2 | ₹72,000 | ₹81,730 |
| 3 | ₹1,08,000 | ₹1,30,523 |
| 4 | ₹1,44,000 | ₹1,85,505 |
| 5 | ₹1,80,000 | ₹2,47,459 |
| 6 | ₹2,16,000 | ₹3,17,271 |
| 7 | ₹2,52,000 | ₹3,95,937 |
| 8 | ₹2,88,000 | ₹4,84,580 |
| 9 | ₹3,24,000 | ₹5,84,465 |
| 10 | ₹3,60,000 | ₹6,97,017 |
| 11 | ₹3,96,000 | ₹8,23,844 |
| 12 | ₹4,32,000 | ₹9,66,757 |
| 13 | ₹4,68,000 | ₹11,27,793 |
| 14 | ₹5,04,000 | ₹13,09,254 |
| 15 | ₹5,40,000 | ₹15,13,728 |
| Yearly return | Value after 15 years |
|---|---|
| 8% | ₹10.5 lakh (₹10,45,035) |
| 10% | ₹12.5 lakh (₹12,53,773) |
| 12% (this page) | ₹15.1 lakh (₹15,13,728) |
| 14% | ₹18.4 lakh (₹18,38,561) |
Mutual fund returns are not fixed. Equity funds have often given 10–14% a year over long periods in India, but some years are negative.
Rates used: October–December 2026 where a government rate applies. Results are estimates.