SIP of ₹10,000 per Month for 5 Years
Complete compounding breakdown for a Systematic Investment Plan (SIP) of ₹10,000 monthly over a 5-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% | ₹600,000 | +₹110,568 | ₹710,568 |
| Public Provident Fund (PPF) | 7.1% | ₹600,000 | +₹122,032 | ₹722,032 |
| Conservative Hybrid Funds | 8.0% | ₹600,000 | +₹139,667 | ₹739,667 |
| Large Cap / Nifty 50 Index | 10.0% | ₹600,000 | +₹180,824 | ₹780,824 |
| Diversified Equity (Flexi Cap / Multicap) | 12.0% | ₹600,000 | +₹224,864 | ₹824,864 |
| Mid Cap / Small Cap Funds | 15.0% | ₹600,000 | +₹296,817 | ₹896,817 |
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 |
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Frequently Asked Questions
How much will ₹10,000 invested monthly in SIP become after 5 years?
At a standard historical equity index return of 12% CAGR, a monthly SIP of ₹10,000 for 5 years generates a maturity corpus of approximately ₹824,864 against an invested principal of ₹600,000, earning a wealth gain of ₹224,864.
What is the tax on the returns of ₹10,000 SIP after 5 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 ₹12,483, leaving a net post-tax maturity value of ₹812,381.
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 ₹710,568. An equity SIP at 12% delivers ₹824,864, generating ₹114,296 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 5 years, the purchasing power of your ₹824,864 maturity corpus will be equivalent to approximately ₹616,386 in today's money.
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