At 12% annual returns, ₹30,000/month SIP grows to ₹3 Cr in 20 yrs at 12%. The longer you stay invested, the more compounding works in your favour.
₹30,000 SIP — Key Questions
How much does ₹30,000/month SIP give in 20 years?+
At 12% annual returns, ₹30,000/month SIP for 20 years builds a corpus of approximately ₹3 Cr over 20 years. The power of compounding means that your returns in the last 5 years often exceed your entire first 15 years of accumulated wealth.
Which fund is best for ₹30,000 monthly SIP?+
For ₹30,000/month, a Nifty 50 index fund is the most sensible core holding — low expense ratio (0.1-0.2%), automatic diversification, and historically reliable returns. Once corpus crosses ₹5 lakhs, consider adding a Nifty Next 50 or flexi-cap fund as a second holding.
Should I increase my ₹30,000 SIP over time?+
Yes — a 10% annual step-up on ₹30,000/month dramatically increases your final corpus without requiring a lump sum. Link SIP increases to your annual salary hike. Even increasing from ₹30,000 to ₹33,000 in year 2 can add significantly to your 20-year corpus.