A person investing ₹1,000 monthly in SIP at 12% per annum will earn ₹2.3 lakh in 10 years, with a total investment value of ₹1.2 lakh, as per SEBI's SIP calculator. In 20 years, the same investment will give a return of ₹9.89 lakh with total investment value of ₹2.4 lakh. The investment would fetch ₹34.95 lakh in 30 years.