SIP of ₹30,000 per Month for 3 Years
Complete compounding breakdown for a Systematic Investment Plan (SIP) of ₹30,000 monthly over a 3-year investment horizon.
Returns Across Different Asset Classes
| Asset Class / Style | Expected CAGR | Total Invested | Estimated Returns | Maturity Corpus |
|---|---|---|---|---|
| Bank Recurring Deposit (RD) | 6.5% | ₹1,080,000 | +₹115,391 | ₹1,195,391 |
| Public Provident Fund (PPF) | 7.1% | ₹1,080,000 | +₹126,802 | ₹1,206,802 |
| Conservative Hybrid Funds | 8.0% | ₹1,080,000 | +₹144,174 | ₹1,224,174 |
| Large Cap / Nifty 50 Index | 10.0% | ₹1,080,000 | +₹183,900 | ₹1,263,900 |
| Diversified Equity (Flexi Cap / Multicap) | 12.0% | ₹1,080,000 | +₹225,229 | ₹1,305,229 |
| Mid Cap / Small Cap Funds | 15.0% | ₹1,080,000 | +₹290,383 | ₹1,370,383 |
Year-by-Year Wealth Accumulation Schedule (@ 12% CAGR)
| Timeline | Invested Principal | Growth / Gains | Total Corpus Value |
|---|---|---|---|
| Year 1 | ₹360,000 | +₹24,280 | ₹384,280 |
| Year 2 | ₹720,000 | +₹97,296 | ₹817,296 |
| Year 3 | ₹1,080,000 | +₹225,229 | ₹1,305,229 |
Invest in 0% Commission Direct Mutual Funds
Start a monthly SIP on Zerodha Coin or Groww with zero distributor commissions.
Frequently Asked Questions
How much will ₹30,000 invested monthly in SIP become after 3 years?
At a standard historical equity index return of 12% CAGR, a monthly SIP of ₹30,000 for 3 years generates a maturity corpus of approximately ₹1,305,229 against an invested principal of ₹1,080,000, earning a wealth gain of ₹225,229.
What is the tax on the returns of ₹30,000 SIP after 3 years?
Under Section 112A (revised post-Budget 2024), Long Term Capital Gains (LTCG) from equity mutual funds held for more than 12 months are tax-exempt up to ₹1.25 Lakh per financial year. Profits exceeding ₹1.25 Lakh are taxed at flat 12.5%. For this scenario, estimated tax is ₹12,529, leaving a net post-tax maturity value of ₹1,292,701.
How does an equity SIP compare to a Bank Recurring Deposit (RD)?
In a Bank RD at 6.5% interest, your total corpus would be ₹1,195,391. An equity SIP at 12% delivers ₹1,305,229, generating ₹109,839 in extra wealth due to compounding power.
What will be the real purchasing power of the corpus after inflation?
Assuming an average inflation rate of 6% over 3 years, the purchasing power of your ₹1,305,229 maturity corpus will be equivalent to approximately ₹1,095,896 in today's money.
Explore other durations: View All SIP Scenarios · All Financial Calculators · Mutual Funds Directory