SIP of ₹1,000 per Month for 9 Years
Complete compounding breakdown for a Systematic Investment Plan (SIP) of ₹1,000 monthly over a 9-year investment horizon.
Returns Across Different Asset Classes
| Asset Class / Style | Expected CAGR | Total Invested | Estimated Returns | Maturity Corpus |
|---|---|---|---|---|
| Bank Recurring Deposit (RD) | 6.5% | ₹108,000 | +₹39,037 | ₹147,037 |
| Public Provident Fund (PPF) | 7.1% | ₹108,000 | +₹43,486 | ₹151,486 |
| Conservative Hybrid Funds | 8.0% | ₹108,000 | +₹50,479 | ₹158,479 |
| Large Cap / Nifty 50 Index | 10.0% | ₹108,000 | +₹67,504 | ₹175,504 |
| Diversified Equity (Flexi Cap / Multicap) | 12.0% | ₹108,000 | +₹86,822 | ₹194,822 |
| Mid Cap / Small Cap Funds | 15.0% | ₹108,000 | +₹120,848 | ₹228,848 |
Year-by-Year Wealth Accumulation Schedule (@ 12% CAGR)
| Timeline | Invested Principal | Growth / Gains | Total Corpus Value |
|---|---|---|---|
| Year 1 | ₹12,000 | +₹809 | ₹12,809 |
| Year 2 | ₹24,000 | +₹3,243 | ₹27,243 |
| Year 3 | ₹36,000 | +₹7,508 | ₹43,508 |
| Year 4 | ₹48,000 | +₹13,835 | ₹61,835 |
| Year 5 | ₹60,000 | +₹22,486 | ₹82,486 |
| Year 6 | ₹72,000 | +₹33,757 | ₹105,757 |
| Year 7 | ₹84,000 | +₹47,979 | ₹131,979 |
| Year 8 | ₹96,000 | +₹65,527 | ₹161,527 |
| Year 9 | ₹108,000 | +₹86,822 | ₹194,822 |
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Frequently Asked Questions
How much will ₹1,000 invested monthly in SIP become after 9 years?
At a standard historical equity index return of 12% CAGR, a monthly SIP of ₹1,000 for 9 years generates a maturity corpus of approximately ₹194,822 against an invested principal of ₹108,000, earning a wealth gain of ₹86,822.
What is the tax on the returns of ₹1,000 SIP after 9 years?
Under Section 112A (revised post-Budget 2024), Long Term Capital Gains (LTCG) from equity mutual funds held for more than 12 months are tax-exempt up to ₹1.25 Lakh per financial year. Profits exceeding ₹1.25 Lakh are taxed at flat 12.5%. For this scenario, estimated tax is ₹0, leaving a net post-tax maturity value of ₹194,822.
How does an equity SIP compare to a Bank Recurring Deposit (RD)?
In a Bank RD at 6.5% interest, your total corpus would be ₹147,037. An equity SIP at 12% delivers ₹194,822, generating ₹47,785 in extra wealth due to compounding power.
What will be the real purchasing power of the corpus after inflation?
Assuming an average inflation rate of 6% over 9 years, the purchasing power of your ₹194,822 maturity corpus will be equivalent to approximately ₹115,315 in today's money.
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