Updated 2026-07-30

SIP ₹3,000/Month for 15 Years: Calculator Scenario

15 years of ₹3,000/month at 12% ends at ₹15,13,728. Subtract 6% inflation a year and the real figure is ₹6,31,626. Adjust the rate, amount, and years in the calculator to test your own scenario.

Return Rate	Maturity	Wealth Gained	Real Value (6% inflation)	After-Tax Real Value
10%	₹12.54 L	₹7.14 L	₹5.23 L	₹4.91 L
12% (base)	₹15.14 L	₹9.74 L	₹6.32 L	₹5.86 L
15%	₹20.31 L	₹14.91 L	₹8.47 L	₹7.73 L

You invest ₹5,40,000; compounding adds ₹9,73,728

Over 15 years you contribute ₹5,40,000 from your pocket (₹3,000 × 180 months). At a 12% CAGR that becomes ₹15,13,728, so compounding adds ₹9,73,728 on top of what you put in. The longer you stay invested, the larger this gains-to-contribution ratio becomes; most of it lands in the later years.

₹15,13,728 in 15 years buys what ₹6,31,626 buys today

₹15,13,728 in 15 years is not ₹15,13,728 of today's purchasing power. After 6% average inflation, it buys what about ₹6,31,626 buys today. That is still real growth: your money grows faster than prices, but the honest figure is the inflation-adjusted one, not the headline number.

One-shot redemption: ₹1,10,335 LTCG on ₹9,73,728 of gains

Equity mutual fund units held over 12 months qualify for long-term capital gains tax: 12.5% on gains above the ₹1.25 lakh annual exemption. On ₹9,73,728 of gains, a one-shot redemption implies roughly ₹1,10,335 in LTCG tax, leaving about ₹14,03,393. Redeeming in tranches across financial years uses the ₹1.25 lakh exemption each year and can reduce that figure materially.

Time is the main asset

At this stage the main asset is time: a small automatic contribution builds the habit while you watch markets rise and fall. If broad equity suits your horizon, a low-cost index fund keeps the first portfolio simple.

Step up, stay invested, cut costs, redeem in tranches

Step up the SIP: raising ₹3,000 by 10% a year as income grows beats the flat amount over 15 years.
Stay the full tenure: the biggest compounding happens in the later years; stopping early forfeits most of the gains.
Keep costs low: a direct-plan Nifty 50 index fund (0.1–0.2% expense ratio) preserves more of the 12% than a high-cost regular plan.
Redeem in tranches: spreading withdrawals across financial years uses the ₹1.25 lakh LTCG exemption repeatedly.

Frequently Asked Questions

How much will ₹3,000/month SIP give in 15 years?

At 12% CAGR (Nifty 50 long-term average), a ₹3,000/month SIP for 15 years grows to ₹15.14 L. You invest ₹5.40 L and gain ₹9.74 L. In conservative (10%) and optimistic (15%) scenarios it becomes ₹12.54 L and ₹20.31 L respectively.

What is the real (inflation-adjusted) value of ₹3,000 SIP after 15 years?

The ₹15.14 L maturity has the purchasing power of about ₹6.32 L in today's money, after 6% average inflation. Nominal numbers always look bigger than what they can actually buy.

How much tax do I pay on a ₹3,000 SIP maturing in 15 years?

Equity mutual fund gains held over 12 months are taxed as LTCG at 12.5% above the ₹1.25 lakh annual exemption (Income Tax Act 2025). On total gains of ₹9.74 L, the indicative LTCG tax is ₹1.10 L, leaving roughly ₹14.03 L post-tax. Actual tax depends on how you redeem (staggered exits use the exemption each year).

Is ₹3,000/month SIP enough?

It depends on your goal. ₹3,000/month for 15 years builds ₹15.14 L at 12%. Increasing the SIP by 10% each year (step-up) as your salary grows can substantially raise the final corpus versus a flat amount.

Try it yourself → SIP Calculator