See how ₹3,000 monthly SIP grows across Equity, Debt, Hybrid, ELSS, and Index mutual funds.
| Year | Invested | Returns | Total Value |
|---|
Compare how ₹3,000/month SIP grows across different mutual fund categories.
| Category | Expected Return | Future Value | Wealth Gained | Period |
|---|---|---|---|---|
| Equity | 14% | ₹7,86,274 | ₹4,26,274 | 10 years |
| Debt | 7% | ₹2,16,032 | ₹36,032 | 5 years |
| Hybrid | 11% | ₹3,80,541 | ₹1,28,541 | 7 years |
| ELSS | 14% | ₹7,86,274 | ₹4,26,274 | 10 years |
| Index | 12% | ₹6,97,017 | ₹3,37,017 | 10 years |
At 12% annual return, ₹3,000/month SIP for 10 years grows to approximately ₹6,97,017. Your total investment would be ₹3,60,000 with wealth gained of ₹3,37,017.
For long-term goals (7+ years), equity funds offer the highest growth potential. For medium-term (3-5 years), hybrid funds provide balanced risk-return. For short-term (1-3 years), debt funds offer stability. Use the calculator above to compare.
Yes, most mutual funds allow SIP starting from ₹500/month. ₹3,000/month is a good starting point that you can increase over time. You can invest in equity, debt, hybrid, or ELSS funds.
With ₹3,000/month SIP at 12%, you invest ₹3,60,000 over 10 years but receive ₹6,97,017 — that's ₹3,37,017 created by compounding alone! Over 20 years, the effect is even more dramatic.
Yes! If you start with ₹3,000/month and increase by 10% annually, your corpus after 10 years at 12% would be significantly higher than a flat SIP. Step-up SIP aligns with your growing income.