Monthly SIP returns
₹3,000 SIP for 5 Years — Maturity Value and Returns
A ₹3,000 monthly SIP held for 5 years grows to about ₹2.47 lakh at a 12% annual return. You will have paid in ₹1.80 lakh of your own money, so about ₹67,459 of the final corpus is pure return.
Maturity value at 12%
₹2.47 lakh
₹1.80 lakh invested + ₹67,459 growth over 5 years
Total invested
₹1.80 lakh
Wealth gained
₹67,459
At 10% return
₹2.34 lakh
At 15% return
₹2.69 lakh
Worth in today money
₹1.85 lakh
With 10% yearly step-up
₹2.95 lakh
Want to change the numbers?
Open the full SIP calculator and run your own amount, rate and tenure.
Year-by-year growth of a ₹3,000 monthly SIP at 12%
| Year | Invested | Value | Gain | Gain % |
|---|---|---|---|---|
| 1 | ₹36,000 | ₹38,428 | ₹2,428 | 6.7% |
| 2 | ₹72,000 | ₹81,730 | ₹9,730 | 13.5% |
| 3 | ₹1,08,000 | ₹1,30,523 | ₹22,523 | 20.9% |
| 4 | ₹1,44,000 | ₹1,85,505 | ₹41,505 | 28.8% |
| 5 | ₹1,80,000 | ₹2,47,459 | ₹67,459 | 37.5% |
Same SIP at different return rates
| Annual return | Corpus after 5 years | Gain over invested |
|---|---|---|
| 8% | ₹2,21,900 | ₹41,900 |
| 10% | ₹2,34,247 | ₹54,247 |
| 12% | ₹2,47,459 | ₹67,459 |
| 14% | ₹2,61,602 | ₹81,602 |
| 15% | ₹2,69,045 | ₹89,045 |
What ₹2.47 lakh is actually worth in 2031
Nominal numbers flatter long horizons. At 6% average inflation, the ₹2.47 lakh you receive after 5 years has the purchasing power of about ₹1.85 lakh in today's money. That is still comfortably ahead of the ₹1.80 lakh you put in, but it is the figure you should plan a real-world goal around.
This is the single biggest reason a ₹3,000 SIP that looks adequate on paper can fall short of an actual goal 5 years out. Always check the inflation-adjusted column before deciding the amount is enough.
Why a step-up beats a flat ₹3,000
Keeping the SIP frozen at ₹3,000 for 5 years assumes your income never rises. Increasing it by just 10% a year — roughly a normal appraisal — takes the same plan to about ₹2.95 lakh, which is 19.4% more without ever feeling like a bigger sacrifice.
Most fund houses let you set this up once as a "step-up SIP" or "top-up SIP" mandate so it happens automatically every April.
Equity SIP versus the same money in a deposit
Putting ₹3,000 a month into a 7% recurring deposit for the same 5 years would end at roughly ₹2.16 lakh — before tax. Deposit interest is taxed at your slab rate, so a 30%-bracket saver keeps closer to ₹2.04 lakh.
Equity returns are not guaranteed and a 5-year window can contain long flat stretches. The trade-off is the point: you accept volatility in exchange for an expected ₹31,428 of extra corpus.
Frequently Asked Questions
How much will I get if I invest ₹3,000 per month for 5 years?
At a 12% annual return you would accumulate about ₹2.47 lakh — ₹1.80 lakh of contributions plus ₹67,459 of growth. At a more conservative 10% it is ₹2.34 lakh, and at 15% it is ₹2.69 lakh.
Is ₹3,000 a month enough for 5 years?
It depends on the goal, not the amount. ₹2.47 lakh nominal is roughly ₹1.85 lakh in today's purchasing power after 5 years of 6% inflation. Compare that against what your goal actually costs today and increase the SIP if there is a gap.
What return rate should I assume for a 5-year SIP?
For diversified equity funds, 12% is the conventional planning assumption and 10% is the conservative one. Indian equity indices have delivered roughly 11-13% over long rolling periods, but no rate is guaranteed. Plan with 10-12% and treat anything above as a bonus.
Will I pay tax on this ₹3,000 SIP?
Equity mutual fund gains held over a year are long-term capital gains, taxed at 12.5% above the ₹1.25 lakh annual exemption. Because SIP units are bought monthly, each instalment has its own holding period, so redeem oldest-first to stay long-term.
Can I stop or pause a SIP midway?
Yes. SIPs have no lock-in except in ELSS funds, which lock each instalment for three years. You can pause, reduce or stop at any time without penalty, and existing units keep compounding.
Related calculations
₹500 SIP for 5 years
Maturity value at 12%: ₹41,243
₹500 SIP for 10 years
Maturity value at 12%: ₹1.16 lakh
₹500 SIP for 15 years
Maturity value at 12%: ₹2.52 lakh
₹500 SIP for 20 years
Maturity value at 12%: ₹5.00 lakh
₹500 SIP for 25 years
Maturity value at 12%: ₹9.49 lakh
₹1,000 SIP for 5 years
Maturity value at 12%: ₹82,486
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Figures are mathematical projections based on the stated assumptions. Market-linked returns are not guaranteed. This is educational information, not investment advice.