SIP of ₹10,000 per Month for 18 Years
Complete compounding breakdown for a Systematic Investment Plan (SIP) of ₹10,000 monthly over a 18-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% | ₹2,160,000 | +₹1,945,507 | ₹4,105,507 |
| Public Provident Fund (PPF) | 7.1% | ₹2,160,000 | +₹2,219,497 | ₹4,379,497 |
| Conservative Hybrid Funds | 8.0% | ₹2,160,000 | +₹2,672,867 | ₹4,832,867 |
| Large Cap / Nifty 50 Index | 10.0% | ₹2,160,000 | +₹3,895,679 | ₹6,055,679 |
| Diversified Equity (Flexi Cap / Multicap) | 12.0% | ₹2,160,000 | +₹5,494,392 | ₹7,654,392 |
| Mid Cap / Small Cap Funds | 15.0% | ₹2,160,000 | +₹8,882,553 | ₹11,042,553 |
Year-by-Year Wealth Accumulation Schedule (@ 12% CAGR)
| Timeline | Invested Principal | Growth / Gains | Total Corpus Value |
|---|---|---|---|
| Year 1 | ₹120,000 | +₹8,093 | ₹128,093 |
| Year 2 | ₹240,000 | +₹32,432 | ₹272,432 |
| Year 3 | ₹360,000 | +₹75,076 | ₹435,076 |
| Year 4 | ₹480,000 | +₹138,348 | ₹618,348 |
| Year 5 | ₹600,000 | +₹224,864 | ₹824,864 |
| Year 6 | ₹720,000 | +₹337,570 | ₹1,057,570 |
| Year 7 | ₹840,000 | +₹479,790 | ₹1,319,790 |
| Year 8 | ₹960,000 | +₹655,266 | ₹1,615,266 |
| Year 9 | ₹1,080,000 | +₹868,215 | ₹1,948,215 |
| Year 10 | ₹1,200,000 | +₹1,123,391 | ₹2,323,391 |
| Year 11 | ₹1,320,000 | +₹1,426,148 | ₹2,746,148 |
| Year 12 | ₹1,440,000 | +₹1,782,522 | ₹3,222,522 |
| Year 13 | ₹1,560,000 | +₹2,199,311 | ₹3,759,311 |
| Year 14 | ₹1,680,000 | +₹2,684,180 | ₹4,364,180 |
| Year 15 | ₹1,800,000 | +₹3,245,760 | ₹5,045,760 |
| Year 16 | ₹1,920,000 | +₹3,893,782 | ₹5,813,782 |
| Year 17 | ₹2,040,000 | +₹4,639,208 | ₹6,679,208 |
| Year 18 | ₹2,160,000 | +₹5,494,392 | ₹7,654,392 |
Invest in 0% Commission Direct Mutual Funds
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Frequently Asked Questions
How much will ₹10,000 invested monthly in SIP become after 18 years?
At a standard historical equity index return of 12% CAGR, a monthly SIP of ₹10,000 for 18 years generates a maturity corpus of approximately ₹7,654,392 against an invested principal of ₹2,160,000, earning a wealth gain of ₹5,494,392.
What is the tax on the returns of ₹10,000 SIP after 18 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 ₹671,174, leaving a net post-tax maturity value of ₹6,983,218.
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 ₹4,105,507. An equity SIP at 12% delivers ₹7,654,392, generating ₹3,548,885 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 18 years, the purchasing power of your ₹7,654,392 maturity corpus will be equivalent to approximately ₹2,681,669 in today's money.
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