Question 1

How much does a ₹3,000 monthly SIP grow to?

Accepted Answer

At an assumed 12% p.a., about ₹15,13,728 in 15 years, ₹6,97,017 in 10 years, and ₹56,92,905 in 25 years.

Question 2

How much will I invest in total?

Accepted Answer

A ₹3,000/month SIP means ₹5,40,000 invested over 15 years (₹36,000 per year).

Question 3

Is the 12% return guaranteed?

Accepted Answer

No. SIP returns are market-linked and vary; 12% is a long-term equity assumption used for illustration, not a promise.

Question 4

Can I change the amount later?

Accepted Answer

Yes — most SIPs allow you to increase (step-up), pause or stop. A step-up SIP grows the corpus faster than a flat ₹3,000/month.