Question 1

What is the return on ₹3,000 SIP for 5 years?

Accepted Answer

At an assumed 12% a year, ₹3,000 a month for 5 years grows to about ₹2,47,459. You invest ₹1,80,000, so about ₹67,459 is growth. At 10% it would be about ₹2,34,247.

Question 2

How much is ₹3,000 SIP for 5 years with a 10% step-up?

Accepted Answer

If you raise the monthly amount by 10% each year, it grows to about ₹2,95,371 at 12% a year, from ₹2,19,784 invested.

Return	Growth	Total	Exact
8%	₹41.9k	₹2.22 lakh	₹2,21,900
10%	₹54.2k	₹2.34 lakh	₹2,34,247
12%	₹67.5k	₹2.47 lakh	₹2,47,459
15%	₹89k	₹2.69 lakh	₹2,69,045

Year	Put in	Growth	Total
1	₹36,000	₹2,428	₹38,428
2	₹72,000	₹9,730	₹81,730
3	₹1,08,000	₹22,523	₹1,30,523
4	₹1,44,000	₹41,505	₹1,85,505
5	₹1,80,000	₹67,459	₹2,47,459

SIP of ₹3,000 a month for 5 years

At different returns

Year by year at 12%

₹3,000 a month for other periods

Other amounts for 5 years

SIP needed for a goal