3000 SIP for 10 Years

What is a ₹3000 SIP for 10 Years?

A ₹3000 SIP for 10 Years simply means you invest ₹3,000 every month in a mutual fund through a Systematic Investment Plan (SIP) and continue this for 10 years without stopping. This method allows your money to grow through compounding and rupee cost averaging based on the market returns.

Returns of ₹3,000 SIP for 10 Years

The following table shows the future value of a ₹3,000 monthly SIP for 10 years at typical assumed annual returns:

(Calculation: standard SIP formula — monthly contribution × [((1+r)^n − 1)/r], where r = monthly rate). Use SIP calculators to reproduce these numbers.)

• Explanation of the Table: If the market gives about 10% returns every year, your monthly SIP of ₹3,000 can grow to around ₹6.15 lakh in 10 years. If the returns are higher, say between 12% and 15%, your final amount becomes much larger. This is because higher-growth funds like mid-cap equity funds have delivered these stronger returns in many 10-year periods, helping your money grow faster.

Top SIPs to Invest ₹3,000 for 10 Years in 2026

You can choose from the following list of top SIP plans to invest your money through SIP in India:

Details of the Best SIP Plans for 10 Years

Below are the details of the best investment plans to invest ₹3000 per month for 10 years through SIP: 

1. SBI PSU Fund- Growth

   This fund aims to help your money grow over the long term by investing mainly in shares of Indian Public Sector Undertakings (PSUs). It invests at least 80% in PSU companies and can put the remaining amount in other stocks or safe debt instruments. It also offers good liquidity.

   Parameters	Details
   Fund Name	SBI PSU Fund-Growth
   NAV	₹ 34.90 (as on 3rd February, 2026)
   AUM	₹5,278.16 Crs
   Expense Ratio	1.86%
   Return 5 Years	32.69%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹5,000
   Risk Level	Principal at very high risk
   Launch Date	7th July, 2010
   Asset Allocation	Equity: 97.12%, Debt: 0.08%, Others: 2.8%
   Top Sectors	Industrials Energy & Utilities Financial Materials
   Top Holdings	State Bank of India Bharat Electronics Ltd NTPC Ltd Power Grid Corporation of India Ltd GAIL (India) Ltd Bharat Petroleum Corporation Ltd Bank Of Baroda Repo NMDC Ltd Indian Bank
   Fund Managers	NA
   Fund Type	Open-ended

2. ICICI Prudential BHARAT 22 FOF Scheme- Growth

   This fund invests mostly in the BHARAT 22 ETF, which includes top government-backed companies. It follows a fund-of-funds structure and focuses on equity and equity-related investments to generate steady returns.

   Parameters	Details
   Fund Name	ICICI Prudential BHARAT 22 FOF - Growth
   NAV	₹ 35.35 (as on 3rd February, 2026)
   AUM	₹2,315.59 Crs
   Expense Ratio	0.13%
   Return 5 Years	35.39%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹5,000
   Risk Level	Principal at very high risk
   Launch Date	29th June, 2018
   Asset Allocation	Equity: 99.89%, Others: 0.11%
   Top Sectors	Industrials Consumer Staples Energy & Utilities Financial Materials
   Top Holdings	BHARAT 22 ETF Regular - Growth Repo Net Payables
   Fund Managers	Ashwini Shinde Ajay Kumar Solanki Kayzad Eghlim Nishit Patel
   Fund Type	Open-ended

   
   
   

3. ICICI Prudential Infrastructure Fund- Growth

   This fund aims to grow your wealth by investing in companies that are part of India's infrastructure sector, like construction, transportation, power, and more. It mainly invests in equity and related instruments.

   Parameters	Details
   Fund Name	ICICI Prudential Infrastructure Fund-Growth
   NAV	₹ 196.17 (as on 3rd February, 2026)
   AUM	₹7,941.20 Crs
   Expense Ratio	1.85%
   Return 5 Years	37.23%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹5,000
   Risk Level	Principal at very high risk
   Launch Date	31st August, 2005
   Asset Allocation	Equity: 96.22%, Debt: 1.26%, Others: 1.88%
   Top Sectors	Consumer Discretionary Industrials Energy & Utilities Financial Materials Real Estate Technology
   Top Holdings	Larsen & Toubro Ltd Interglobe Aviation Ltd Repo NTPC Ltd Adani Ports and Special Economic Zone Ltd Vedanta Ltd Reliance Industries Ltd NCC Ltd AIA Engineering Ltd Axis Bank Ltd
   Fund Managers	Ihab Dalwai Sharmila D'Silva
   Fund Type	Open-ended

4. Aditya Birla Sun Life PSU Equity Fund Regular-Growth

   This fund focuses on long-term growth by investing in shares of Public Sector Undertakings (PSUs) and related equity instruments.

   Parameters	Details
   Fund Name	Aditya Birla Sun Life PSU Equity Fund Regular-Growth
   NAV	₹ 35.57 (as on 3rd February, 2026)
   AUM	₹5,418.32 Crs
   Expense Ratio	1.8%
   Return 5 Years	33.07%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹500
   Risk Level	Principal at very high risk
   Launch Date	30th December, 2019
   Asset Allocation	Equity: 97.28%, Others: 2.72%
   Top Sectors	Industrials Energy & Utilities Financial Materials Unspecified
   Top Holdings	State Bank of India NTPC Ltd Power Grid Corporation of India Ltd GAIL (India) Ltd Oil & Natural Gas Corporation Ltd Bharat Electronics Ltd Bharat Petroleum Corporation Ltd Bank Of Baroda Bharat Heavy Electricals Ltd Bank of India
   Fund Managers	Dhaval Gala Dhaval Joshi
   Fund Type	Open-ended

5. Motilal Oswal Midcap Fund Regular-Growth

   This fund tries to create long-term wealth by investing in strong mid-cap companies. These are growing businesses with solid fundamentals and long-term competitive strength.

   Parameters	Details
   Fund Name	Motilal Oswal Midcap Fund Regular-Growth
   NAV	₹ 94.80 (as on 3rd February, 2026)
   AUM	₹33,608.53 Crs
   Expense Ratio	1.55%
   Return 5 Years	33.24%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹500
   Risk Level	Principal at very high risk
   Launch Date	24th February, 2014
   Asset Allocation	Equity: 81.6%, Debt: 14.25%, Others: 4.15%
   Top Sectors	Real Estate Materials Consumer Discretionary Industrials Financial Healthcare Technology
   Top Holdings	Others CBLO Reverse Repo/CBLO Dixon Technologies (India) Ltd Persistent Systems Ltd Coforge Ltd Zomato Ltd Kalyan Jewellers India Ltd One 97 Communications Ltd Trent Ltd Polycab India Ltd
   Fund Managers	Ajay Khandelwal Niket Shah Rakesh Shetty Sunil Sawant
   Fund Type	Open-ended

6. HDFC Infrastructure Fund Regular-Growth

   This fund aims to grow your money by investing in companies connected to India’s infrastructure development, such as power, transport, engineering, and construction.

   Parameters	Details
   Fund Name	HDFC Infrastructure Fund Regular-Growth
   NAV	₹ 47.32 (as on 3rd February, 2026)
   AUM	₹2,539.90 Crs
   Expense Ratio	2.04%
   Return 5 Years	34.27%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹100
   Risk Level	Principal at very high risk
   Launch Date	10th March, 2008
   Asset Allocation	Equity: 92.61%, Others: 4.89%
   Top Sectors	Consumer Discretionary Industrials Energy & Utilities Financial Healthcare Materials Technology
   Top Holdings	Repo ICICI Bank Ltd Larsen & Toubro Ltd HDFC Bank Ltd J Kumar Infraprojects Ltd Kalpataru Power Transmission Ltd Interglobe Aviation Ltd Reliance Industries Ltd Bharti Airtel Ltd NTPC Ltd
   Fund Managers	Srinivasan Ramamurthy Dhruv Muchhal
   Fund Type	Open-ended

7. Franklin Build India Fund Regular-Growth

   The goal of this fund is to create capital growth by investing in companies directly or indirectly linked to infrastructure development in India.

   Parameters	Details
   Fund Name	Franklin Build India Fund Regular-Growth
   NAV	₹ 144.49 (as on 3rd February, 2026)
   AUM	₹2,950.12 Crs
   Expense Ratio	1.99%
   Return 5 Years	33.07%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹5,000
   Risk Level	Principal at very high risk
   Launch Date	4th September, 2009
   Asset Allocation	Equity: 97.03%, Others: 2.97%
   Top Sectors	Financial Materials Real Estate Technology Consumer Discretionary Industrials Energy & Utilities
   Top Holdings	Larsen & Toubro Ltd Reliance Industries Ltd Interglobe Aviation Ltd ICICI Bank Ltd Oil & Natural Gas Corporation Ltd NTPC Ltd HDFC Bank Ltd Bharti Airtel Ltd Cash/Net Current Assets Axis Bank Ltd
   Fund Managers	Ajay Argal Sandeep Manam Kiran Sebastian
   Fund Type	Open-ended

8. Franklin India Opportunities Fund Regular-Growth

   This fund looks for long-term growth by investing across different sectors of the Indian economy. It has no restriction on company size and picks opportunities wherever strong growth potential exists.

   Parameters	Details
   Fund Name	Franklin India Opportunities Fund Regular-Growth
   NAV	₹ 247.94 (as on 3rd February, 2026)
   AUM	₹7,375.63 Crs
   Expense Ratio	1.76%
   Return 5 Years	28.09%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹5,000
   Risk Level	Principal at very high risk
   Launch Date	21st February, 2000
   Asset Allocation	Equity: 95.86%, Debt: 0.3%, Others: 3.85%
   Top Sectors	Consumer Discretionary Industrials Consumer Staples Energy & Utilities Real Estate Financial Healthcare Materials Technology
   Top Holdings	Cash/Net Current Assets Axis Bank Ltd State Bank of India HDFC Bank Ltd Reliance Industries Ltd Zomato Ltd Amphenol Corp Forgn. Eq (APH) Maruti Suzuki India Ltd Mphasis Ltd Bharti Airtel Ltd
   Fund Managers	R Janakiraman Sandeep Manam Kiran Sebastian
   Fund Type	Open-ended

   
   
   

9. Nippon India Power & Infra Fund-Growth

   This fund focuses on long-term capital growth by investing in companies related to India’s power and infrastructure sectors.

   Parameters	Details
   Fund Name	Nippon India Power & Infra Fund-Growth
   NAV	₹ 341.57 (as on 3rd February, 2026)
   AUM	₹7,376.91 Crs
   Expense Ratio	1.83%
   Return 5 Years	31.98%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹5,000
   Risk Level	Principal at very high risk
   Launch Date	8th May, 2004
   Asset Allocation	Equity: 99.57%, Debt: 0%, Others: 0.43%
   Top Sectors	Financial Consumer Discretionary Industrials Diversified Energy & Utilities Healthcare Materials Real Estate Technology
   Top Holdings	Reliance Industries Ltd NTPC Ltd Bharti Airtel Ltd Larsen & Toubro Ltd Tata Power Company Ltd CG Power & Industrial Solutions Ltd Bharat Heavy Electricals Ltd Ultratech Cement Ltd Kaynes Technology India Ltd Bharat Forge Ltd
   Fund Managers	NA
   Fund Type	Open-ended

10. Canara Robeco Infrastructure Fund Regular-Growth

    This fund aims to grow your investment over the long term by investing mainly in equity and related securities of companies working in infrastructure development.

    Parameters	Details
    Fund Name	Canara Robeco Infrastructure Fund Regular-Growth
    NAV	₹ 159.62 (as on 3rd February, 2026)
    AUM	₹917.06 Crs
    Expense Ratio	2.27%
    Return 5 Years	32.24%
    Minimum Investment	SIP ₹1000 & Lumpsum ₹5,000
    Risk Level	Principal at very high risk
    Launch Date	2nd December, 2005
    Asset Allocation	Equity: 95.79%, Others: 4.21%
    Top Sectors	Consumer Discretionary Industrials Diversified Energy & Utilities Financial Materials Real Estate Technology
    Top Holdings	Larsen & Toubro Ltd Reliance Industries Ltd Repo State Bank of India NTPC Ltd Bharat Electronics Ltd Interglobe Aviation Ltd GE T&D India Ltd Dixon Technologies (India) Ltd Tata Power Company Ltd
    Fund Managers	Vishal Mishra Shridatta Bhandwaldar
    Fund Type	Open-ended

SIP Calculator to Estimate Returns of Your ₹3000 SIP in 10 Years

A SIP calculator helps you find out how much your monthly investment of ₹3,000 for 10 years can grow based on different return rates. You only need to insert the value of your monthly investment amount, investment duration, and the expected rate of return. The calculator then shows the future value of your investment using the power of compounding.

SIP Calculator

I know my investment amount I know my goal amount

Monthly SIP Yearly SIP Lumpsum

I want to invest Pro Tip

Financial experts suggest that a person should invest 10-15% of their monthly income for long-term financial growth

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I want to invest for Pro Tip

Financial experts suggest that individuals should ideally invest for a period of 5 to 10 years, or even longer, to maximize the benefits of compounding and navigate market fluctuations effectively

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Expected return Pro Tip

Top 25% of investors consistently generate more than 12% return

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Total Wealth ₹1.03 Cr

View Plans

I want to save

I want to invest for Pro Tip

Financial experts suggest that individuals should ideally invest for a period of 5 to 10 years, or even longer, to maximize the benefits of compounding and navigate market fluctuations effectively

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Expected return Pro Tip

Top 25% of investors consistently generate more than 12% return

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Monthly Investment ₹22.4 L

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Top Funds with High Returns (Past 7 Years)

13.68%

Equity Pension

16.3%

Global Blue Chip Anchor Strategy

18.4%

High Growth Fund

18.03%

US Growth Fund

21.44%

Multi Cap Fund

14.85%

Accelerator Mid-Cap Fund II

15.9%

Multiplier

15.36%

Frontline Equity Fund

18.41%

Pension Mid Cap Fund

11.88%

Equity II Fund

14.6%

US Equity Fund

15.96%

Growth Opportunities Plus Fund

12.4%

Equity Top 250 Fund

14.8%

Future Apex Fund

12.84%

Pension Dynamic Equity Fund

15.06%

Accelerator Fund

Why Should You Start Investing Today?

You should consider investing ₹3000 for 10 years in your chosen best SIP plan because of the following reasons:

• Your money grows better when you start early, because compounding needs time to work.
• A small monthly amount can become a big amount, as ₹3,000 every month can grow to ₹6–8 lakh in 10 years.
• SIP reduces risk, as you invest a fixed amount every month and average out market ups and downs.
• SIP helps you save regularly, making saving a simple habit without any extra effort.
• SIP beats inflation in the long run, because equity funds usually grow faster than bank deposits.