SIP of ₹30K/month for 3 Years at 10% Expected Return

Total Corpus

₹12,63,900

Invested

₹10,80,000

Returns Gained

+17.0%

SIP Calculator

Adjust sliders or enter values to estimate your SIP returns

₹
₹100 ₹2 Lakh
Years
1 Year 40 Years
%
1% 30%

Total Corpus

₹0

after 3 years

Invested Amount

₹0

Est. Returns

₹0

Wealth Gained

0%

returns on total investment

Invested Returns
50% 50%

Wealth Breakdown

15% Returns

Total Invested

Your monthly SIP contributions

₹10,80,000

85.4%

Estimated Returns

Wealth gained via compounding

₹1,83,900

14.6%

Total Corpus

Final value at maturity

₹12,63,900

100%

85% Invested 15% Returns

Insights

Wealth Multiplier

+17.0% returns

Your ₹10,80,000 invested grows to ₹12,63,900

Daily Investment

₹986/day

That's just ₹986 per day to build a ₹12,63,900 corpus

One More Year

+₹5,12,455

Investing for 4 years instead of 3 adds ₹5,12,455 to your corpus

Better Returns Matter

₹39,726 more

At 10% vs 8%, you earn ₹39,726 extra over 3 years

₹1 Crore Goal

₹2,37,361/mo

To reach ₹1 Crore in 3 years at 10%, you need ₹2,37,361/month

About This SIP Calculation

Investing ₹30K every month through SIP for 3 years at an expected 10% annual return builds a corpus of ₹12,63,900. Your total investment of ₹10,80,000 generates estimated returns of ₹1,83,900 — a wealth gain of 17.0%. Compounding accelerates sharply in the later years: roughly 28% of the final corpus is created in the last quarter of the investment period. Starting ₹30K/month 3 years earlier at the same rate can add over ₹1,08,000 more to your final corpus. Debt funds targeting 10% returns are taxed at your income slab rate on gains. Investing in direct plans rather than regular plans typically saves 0.5–1% annually in expense ratio, compounding to a significant difference over 3 years.

Year-by-Year Growth

How your SIP corpus grows each year

Total Months

36

Year Invested Returns Corpus
Year 1 ₹3,60,000 ₹20,108 ₹3,80,108
Year 2 ₹7,20,000 ₹80,019 ₹8,00,019
Year 3 ₹10,80,000 ₹1,83,900 ₹12,63,900

Frequently Asked Questions

A monthly SIP of ₹30,000 for 3 years at 10% annual returns grows to ₹12,63,900. You invest ₹10,80,000 and earn ₹1,83,900 as returns — a gain of 17.0%.
SIP returns are calculated using the compound interest formula: FV = M × [((1 + r)^n − 1) / r] × (1 + r), where M is the monthly amount, r is the monthly rate (annual rate ÷ 12 ÷ 100), and n is the total months. This accounts for the power of compounding — each month's investment earns returns on itself.
10% annual returns is very realistic. Indian large-cap equity mutual funds have historically returned 10–14% CAGR over 10+ year periods. Small-cap funds have returned 15–18%+. Past performance doesn't guarantee future results. Use 10% as a planning estimate, not a guarantee.
Yes — a Step-Up SIP (increasing by 10% annually) dramatically accelerates wealth creation. If you start at ₹30,000/month and increase by 10% yearly, your corpus over 3 years will be significantly higher than a fixed ₹30,000 SIP. Most mutual fund platforms support automated step-up SIPs.
For 3-year SIPs, balanced/hybrid funds or large-cap equity funds offer good risk-adjusted returns. Popular categories: Index Funds (Nifty 50/Nifty Next 50), Flexi-cap Funds, ELSS (tax-saving). Consult a SEBI-registered advisor for personalised advice.
To accumulate ₹1 Crore in 3 years at 10% returns, you need approximately ₹2,37,361/month. The longer your time horizon, the lower the monthly amount needed — this is the power of compounding.

Explore Variations

Start Your ₹30K/month SIP Today

Build a corpus of ₹12.64 L — invest via these trusted platforms

Est. Corpus

₹12.64 L

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* Affiliate disclosure: FincalcX may earn a commission if you invest via these links. All returns shown are estimates based on historical averages. Mutual fund investments are subject to market risks.

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