SIP of ₹100,000 per Month for 4 Years
Complete compounding breakdown for a Systematic Investment Plan (SIP) of ₹100,000 monthly over a 4-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% | ₹4,800,000 | +₹694,595 | ₹5,494,595 |
| Public Provident Fund (PPF) | 7.1% | ₹4,800,000 | +₹764,929 | ₹5,564,929 |
| Conservative Hybrid Funds | 8.0% | ₹4,800,000 | +₹872,558 | ₹5,672,558 |
| Large Cap / Nifty 50 Index | 10.0% | ₹4,800,000 | +₹1,121,185 | ₹5,921,185 |
| Diversified Equity (Flexi Cap / Multicap) | 12.0% | ₹4,800,000 | +₹1,383,483 | ₹6,183,483 |
| Mid Cap / Small Cap Funds | 15.0% | ₹4,800,000 | +₹1,804,374 | ₹6,604,374 |
Year-by-Year Wealth Accumulation Schedule (@ 12% CAGR)
| Timeline | Invested Principal | Growth / Gains | Total Corpus Value |
|---|---|---|---|
| Year 1 | ₹1,200,000 | +₹80,933 | ₹1,280,933 |
| Year 2 | ₹2,400,000 | +₹324,320 | ₹2,724,320 |
| Year 3 | ₹3,600,000 | +₹750,765 | ₹4,350,765 |
| Year 4 | ₹4,800,000 | +₹1,383,483 | ₹6,183,483 |
Invest in 0% Commission Direct Mutual Funds
Start a monthly SIP on Zerodha Coin or Groww with zero distributor commissions.
Frequently Asked Questions
How much will ₹100,000 invested monthly in SIP become after 4 years?
At a standard historical equity index return of 12% CAGR, a monthly SIP of ₹100,000 for 4 years generates a maturity corpus of approximately ₹6,183,483 against an invested principal of ₹4,800,000, earning a wealth gain of ₹1,383,483.
What is the tax on the returns of ₹100,000 SIP after 4 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 ₹157,310, leaving a net post-tax maturity value of ₹6,026,173.
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 ₹5,494,595. An equity SIP at 12% delivers ₹6,183,483, generating ₹688,889 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 4 years, the purchasing power of your ₹6,183,483 maturity corpus will be equivalent to approximately ₹4,897,898 in today's money.
Explore other durations: View All SIP Scenarios · All Financial Calculators · Mutual Funds Directory