SIP of ₹12,000 per Month for 5 Years
Complete compounding breakdown for a Systematic Investment Plan (SIP) of ₹12,000 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% | ₹720,000 | +₹132,681 | ₹852,681 |
| Public Provident Fund (PPF) | 7.1% | ₹720,000 | +₹146,438 | ₹866,438 |
| Conservative Hybrid Funds | 8.0% | ₹720,000 | +₹167,600 | ₹887,600 |
| Large Cap / Nifty 50 Index | 10.0% | ₹720,000 | +₹216,989 | ₹936,989 |
| Diversified Equity (Flexi Cap / Multicap) | 12.0% | ₹720,000 | +₹269,836 | ₹989,836 |
| Mid Cap / Small Cap Funds | 15.0% | ₹720,000 | +₹356,180 | ₹1,076,180 |
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 |
| Year 3 | ₹432,000 | +₹90,092 | ₹522,092 |
| Year 4 | ₹576,000 | +₹166,018 | ₹742,018 |
| Year 5 | ₹720,000 | +₹269,836 | ₹989,836 |
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Frequently Asked Questions
How much will ₹12,000 invested monthly in SIP become after 5 years?
At a standard historical equity index return of 12% CAGR, a monthly SIP of ₹12,000 for 5 years generates a maturity corpus of approximately ₹989,836 against an invested principal of ₹720,000, earning a wealth gain of ₹269,836.
What is the tax on the returns of ₹12,000 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 ₹18,105, leaving a net post-tax maturity value of ₹971,732.
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 ₹852,681. An equity SIP at 12% delivers ₹989,836, generating ₹137,155 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 ₹989,836 maturity corpus will be equivalent to approximately ₹739,663 in today's money.
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