SIP of ₹100,000 per Month for 5 Years
Complete compounding breakdown for a Systematic Investment Plan (SIP) of ₹100,000 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% | ₹6,000,000 | +₹1,105,678 | ₹7,105,678 |
| Public Provident Fund (PPF) | 7.1% | ₹6,000,000 | +₹1,220,320 | ₹7,220,320 |
| Conservative Hybrid Funds | 8.0% | ₹6,000,000 | +₹1,396,670 | ₹7,396,670 |
| Large Cap / Nifty 50 Index | 10.0% | ₹6,000,000 | +₹1,808,238 | ₹7,808,238 |
| Diversified Equity (Flexi Cap / Multicap) | 12.0% | ₹6,000,000 | +₹2,248,637 | ₹8,248,637 |
| Mid Cap / Small Cap Funds | 15.0% | ₹6,000,000 | +₹2,968,169 | ₹8,968,169 |
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 |
| Year 5 | ₹6,000,000 | +₹2,248,637 | ₹8,248,637 |
Invest in 0% Commission Direct Mutual Funds
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Frequently Asked Questions
How much will ₹100,000 invested monthly in SIP become after 5 years?
At a standard historical equity index return of 12% CAGR, a monthly SIP of ₹100,000 for 5 years generates a maturity corpus of approximately ₹8,248,637 against an invested principal of ₹6,000,000, earning a wealth gain of ₹2,248,637.
What is the tax on the returns of ₹100,000 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 ₹265,455, leaving a net post-tax maturity value of ₹7,983,182.
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 ₹7,105,678. An equity SIP at 12% delivers ₹8,248,637, generating ₹1,142,958 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 ₹8,248,637 maturity corpus will be equivalent to approximately ₹6,163,861 in today's money.
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