SIP of ₹12,000 per Month for 2 Years
Complete compounding breakdown for a Systematic Investment Plan (SIP) of ₹12,000 monthly over a 2-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% | ₹288,000 | +₹20,334 | ₹308,334 |
| Public Provident Fund (PPF) | 7.1% | ₹288,000 | +₹22,298 | ₹310,298 |
| Conservative Hybrid Funds | 8.0% | ₹288,000 | +₹25,273 | ₹313,273 |
| Large Cap / Nifty 50 Index | 10.0% | ₹288,000 | +₹32,008 | ₹320,008 |
| Diversified Equity (Flexi Cap / Multicap) | 12.0% | ₹288,000 | +₹38,918 | ₹326,918 |
| Mid Cap / Small Cap Funds | 15.0% | ₹288,000 | +₹49,625 | ₹337,625 |
Year-by-Year Wealth Accumulation Schedule (@ 12% CAGR)
| Timeline | Invested Principal | Growth / Gains | Total Corpus Value |
|---|---|---|---|
| Year 1 | ₹144,000 | +₹9,712 | ₹153,712 |
| Year 2 | ₹288,000 | +₹38,918 | ₹326,918 |
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 ₹12,000 invested monthly in SIP become after 2 years?
At a standard historical equity index return of 12% CAGR, a monthly SIP of ₹12,000 for 2 years generates a maturity corpus of approximately ₹326,918 against an invested principal of ₹288,000, earning a wealth gain of ₹38,918.
What is the tax on the returns of ₹12,000 SIP after 2 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 ₹326,918.
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 ₹308,334. An equity SIP at 12% delivers ₹326,918, generating ₹18,584 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 2 years, the purchasing power of your ₹326,918 maturity corpus will be equivalent to approximately ₹290,956 in today's money.
Explore other durations: View All SIP Scenarios · All Financial Calculators · Mutual Funds Directory