SIP of ₹12,500 per Month for 3 Years
Complete compounding breakdown for a Systematic Investment Plan (SIP) of ₹12,500 monthly over a 3-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% | ₹450,000 | +₹48,079 | ₹498,079 |
| Public Provident Fund (PPF) | 7.1% | ₹450,000 | +₹52,834 | ₹502,834 |
| Conservative Hybrid Funds | 8.0% | ₹450,000 | +₹60,072 | ₹510,072 |
| Large Cap / Nifty 50 Index | 10.0% | ₹450,000 | +₹76,625 | ₹526,625 |
| Diversified Equity (Flexi Cap / Multicap) | 12.0% | ₹450,000 | +₹93,846 | ₹543,846 |
| Mid Cap / Small Cap Funds | 15.0% | ₹450,000 | +₹120,993 | ₹570,993 |
Year-by-Year Wealth Accumulation Schedule (@ 12% CAGR)
| Timeline | Invested Principal | Growth / Gains | Total Corpus Value |
|---|---|---|---|
| Year 1 | ₹150,000 | +₹10,117 | ₹160,117 |
| Year 2 | ₹300,000 | +₹40,540 | ₹340,540 |
| Year 3 | ₹450,000 | +₹93,846 | ₹543,846 |
Invest in 0% Commission Direct Mutual Funds
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Frequently Asked Questions
How much will ₹12,500 invested monthly in SIP become after 3 years?
At a standard historical equity index return of 12% CAGR, a monthly SIP of ₹12,500 for 3 years generates a maturity corpus of approximately ₹543,846 against an invested principal of ₹450,000, earning a wealth gain of ₹93,846.
What is the tax on the returns of ₹12,500 SIP after 3 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 ₹543,846.
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 ₹498,079. An equity SIP at 12% delivers ₹543,846, generating ₹45,766 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 3 years, the purchasing power of your ₹543,846 maturity corpus will be equivalent to approximately ₹456,623 in today's money.
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