Corpus: ₹1.1Cr at 12% · Total invested: ₹10.8L · Wealth gain: ₹95.1L
| Annual Return | Total Invested | Maturity Value | Wealth Gain |
|---|---|---|---|
| 8% | ₹10,80,000 | ₹45,00,886 | ₹34,20,886 |
| 10% | ₹10,80,000 | ₹68,37,976 | ₹57,57,976 |
| 12% | ₹10,80,000 | ₹1,05,89,741 | ₹95,09,741 |
| 14% | ₹10,80,000 | ₹1,66,71,167 | ₹1,55,91,167 |
| 15% | ₹10,80,000 | ₹2,10,29,462 | ₹1,99,49,462 |
A ₹3,000/month SIP is a solid commitment that many salaried professionals can sustain comfortably. At this level, you are investing seriously enough to build meaningful wealth over time. A 30-year SIP tenure is where compounding truly transforms wealth. At this horizon, short-term market volatility becomes irrelevant. A ₹3,000/month SIP invested for 30 years turns ₹10.8L of principal into ₹1.1Cr — a wealth gain of ₹95.1L.
At a 12% annualised return — the long-run historical average for diversified equity mutual funds in India — a ₹3,000/month SIP for 30 years produces a corpus of ₹1.1Cr. This is enough to fund a substantial retirement nest egg or full funding for a child's MBA/medical education (including abroad), or an outright property purchase in many Indian cities. Of course, actual returns will vary, but this gives you a realistic benchmark for goal planning.
The power of compounding is clearly visible in this SIP: your ₹10.8L investment grows to ₹1.1Cr, generating ₹95.1L in wealth gain (881% return on invested capital). Notably, roughly ₹90.8L of your total wealth gain — more than half — is generated in the second half of the 30-year period. This is the compounding snowball effect: the longer you stay invested, the faster your corpus grows.
This table shows how your SIP corpus builds year by year, assuming 12% annual returns — the long-run historical average for diversified equity funds.
| Year | Total Invested | Corpus Value | Wealth Gain |
|---|---|---|---|
| Year 1 | ₹36,000 | ₹38,428 | ₹2,428 |
| Year 2 | ₹72,000 | ₹81,730 | ₹9,730 |
| Year 3 | ₹1,08,000 | ₹1,30,523 | ₹22,523 |
| Year 4 | ₹1,44,000 | ₹1,85,505 | ₹41,505 |
| Year 5 | ₹1,80,000 | ₹2,47,459 | ₹67,459 |
For a 30-year SIP, you have maximum flexibility to take risk and benefit from long-term compounding: Small Cap Funds — historically highest returns over long horizons (15%+ CAGR), suitable for 20+ year tenures; Mid Cap Funds — strong risk-adjusted returns; Large Cap Index Funds — stable core holding; International/Global Funds — geographic diversification against INR depreciation. A classic allocation: 40% large cap index + 30% mid cap + 20% small cap + 10% international.
Calculate with different amounts, rates, and tenures
Open SIP Calculator →At 12% annual returns, a ₹3,000/month SIP for 30 years gives a maturity corpus of ₹1,05,89,741. Your total investment is ₹10,80,000 and the wealth gain is ₹95,09,741.
At 8%: ₹45,00,886. At 10%: ₹68,37,976. At 12%: ₹1,05,89,741. At 15%: ₹2,10,29,462. Returns are not guaranteed — equity mutual funds can deliver higher or lower depending on market conditions.
SIP returns are subject to capital gains tax. For equity mutual funds held for more than 1 year, gains above ₹1 lakh/year are taxed at 12.5% (LTCG). ELSS SIPs have a 3-year lock-in but qualify for Section 80C deduction up to ₹1.5 lakh/year.
Yes — this is the entire benefit of SIP. When markets fall, your ₹3,000 buys more units at lower prices (rupee cost averaging). Stopping a SIP during a downturn defeats the purpose and locks in temporary losses.
For a 30-year horizon, a diversified equity mutual fund — large cap index fund (Nifty 50 or Sensex) combined with a mid cap fund — is a strong choice. For higher risk appetite, include a small cap fund component.