What Happens If You Invest ₹10,000 Per Month for 3 Years?
Investing ₹10,000/month for 3 years at 12% returns
₹4.35 L
Total Invested
₹3.60 L
Estimated Returns
₹75,076
Projection at Different Return Rates
| Annual Returns | Future Value | Total Invested | Wealth Gain |
|---|---|---|---|
| 6% | ₹3.95 L | ₹3.60 L | ₹35,328 |
| 8% | ₹4.08 L | ₹3.60 L | ₹48,058 |
| 10% | ₹4.21 L | ₹3.60 L | ₹61,300 |
| 12% | ₹4.35 L | ₹3.60 L | ₹75,076 |
| 14% | ₹4.49 L | ₹3.60 L | ₹89,411 |
| 15% | ₹4.57 L | ₹3.60 L | ₹96,794 |
| 18% | ₹4.80 L | ₹3.60 L | ₹1.20 L |
Inflation-Adjusted Values (at 6% inflation)
| Return Rate | Real Value (Today's Money) |
|---|---|
| 6% | ₹3.32 L |
| 8% | ₹3.43 L |
| 10% | ₹3.54 L |
| 12% | ₹3.65 L |
| 14% | ₹3.77 L |
| 15% | ₹3.84 L |
| 18% | ₹4.03 L |
Inflation erodes purchasing power over time. At 6% inflation, your corpus will have less buying power in the future than its nominal value suggests.
How SIP Works
A Systematic Investment Plan (SIP) allows you to invest a fixed amount (₹10,000) every month into mutual funds. The power of SIP comes from rupee cost averaging (buying more units when prices are low) and compounding (your returns generate their own returns over time).
Over 3 years, your total investment of ₹3.60 L can potentially grow to ₹4.35 Lat 12% annual returns — that's a wealth gain of ₹75,076, or 21% on your invested amount.
The longer you stay invested, the more dramatic the compounding effect becomes. Even small monthly investments can grow into substantial wealth over 15-20+ years.
Compare Other SIP Amounts
Frequently Asked Questions
Mutual fund investments are subject to market risk. Past performance doesn't guarantee future results. Projections are for illustrative purposes only.