SIP of ₹2K/month for 3 Years at 12% Expected Return

Total Corpus

₹87,015

Invested

₹72,000

Returns Gained

+20.9%

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

17% Returns

Total Invested

Your monthly SIP contributions

₹72,000

82.7%

Estimated Returns

Wealth gained via compounding

₹15,015

17.3%

Total Corpus

Final value at maturity

₹87,015

100%

83% Invested 17% Returns

Insights

Wealth Multiplier

+20.9% returns

Your ₹72,000 invested grows to ₹87,015

Daily Investment

₹66/day

That's just ₹66 per day to build a ₹87,015 corpus

One More Year

+₹36,654

Investing for 4 years instead of 3 adds ₹36,654 to your corpus

Better Returns Matter

₹2,755 more

At 12% vs 10%, you earn ₹2,755 extra over 3 years

₹1 Crore Goal

₹2,29,845/mo

To reach ₹1 Crore in 3 years at 12%, you need ₹2,29,845/month

About This SIP Calculation

Investing ₹2K every month through SIP for 3 years at an expected 12% annual return builds a corpus of ₹87,015. Your total investment of ₹72,000 generates estimated returns of ₹15,015 — a wealth gain of 20.9%. Compounding accelerates sharply in the later years: roughly 28% of the final corpus is created in the last quarter of the investment period. Starting ₹2K/month 3 years earlier at the same rate can add over ₹8,640 more to your final corpus. Equity mutual funds at 12% returns fall under LTCG rules — gains above ₹1 lakh per year are taxed at 10% with no indexation benefit. 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 ₹24,000 ₹1,619 ₹25,619
Year 2 ₹48,000 ₹6,486 ₹54,486
Year 3 ₹72,000 ₹15,015 ₹87,015

Frequently Asked Questions

A monthly SIP of ₹2,000 for 3 years at 12% annual returns grows to ₹87,015. You invest ₹72,000 and earn ₹15,015 as returns — a gain of 20.9%.
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.
12% 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 12% as a planning estimate, not a guarantee.
Yes — a Step-Up SIP (increasing by 10% annually) dramatically accelerates wealth creation. If you start at ₹2,000/month and increase by 10% yearly, your corpus over 3 years will be significantly higher than a fixed ₹2,000 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 12% returns, you need approximately ₹2,29,845/month. The longer your time horizon, the lower the monthly amount needed — this is the power of compounding.

Explore Variations

Start Your ₹2K/month SIP Today

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₹87,015

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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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