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So if you invest 36000 (12X3000) every year than invested amount in units for you would be -
First Year 36000 - (14400 + 450 + 60) = 21090
Second Year 36000 - (10800 + 450 + 60) = 24690
Third Year on wards 36000 ( 7200 + 450 + 60) = 28290
For returns you need to check the fund in which you have invested in (you can check this on HDFC Life website on daily basis). I have just picked the best performing and worst performing funds for you -
Liquid Fund II - 13.3219
Growth Fund II - 08.3767
You will pick up maximum wrong numbers when on roaming. 
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