SIP of ₹125,000 per Month for 1 Years
Complete compounding breakdown for a Systematic Investment Plan (SIP) of ₹125,000 monthly over a 1-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% | ₹1,500,000 | +₹53,876 | ₹1,553,876 |
| Public Provident Fund (PPF) | 7.1% | ₹1,500,000 | +₹58,958 | ₹1,558,958 |
| Conservative Hybrid Funds | 8.0% | ₹1,500,000 | +₹66,616 | ₹1,566,616 |
| Large Cap / Nifty 50 Index | 10.0% | ₹1,500,000 | +₹83,785 | ₹1,583,785 |
| Diversified Equity (Flexi Cap / Multicap) | 12.0% | ₹1,500,000 | +₹101,166 | ₹1,601,166 |
| Mid Cap / Small Cap Funds | 15.0% | ₹1,500,000 | +₹127,639 | ₹1,627,639 |
Year-by-Year Wealth Accumulation Schedule (@ 12% CAGR)
| Timeline | Invested Principal | Growth / Gains | Total Corpus Value |
|---|---|---|---|
| Year 1 | ₹1,500,000 | +₹101,166 | ₹1,601,166 |
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Frequently Asked Questions
How much will ₹125,000 invested monthly in SIP become after 1 years?
At a standard historical equity index return of 12% CAGR, a monthly SIP of ₹125,000 for 1 years generates a maturity corpus of approximately ₹1,601,166 against an invested principal of ₹1,500,000, earning a wealth gain of ₹101,166.
What is the tax on the returns of ₹125,000 SIP after 1 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 ₹1,601,166.
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 ₹1,553,876. An equity SIP at 12% delivers ₹1,601,166, generating ₹47,290 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 1 years, the purchasing power of your ₹1,601,166 maturity corpus will be equivalent to approximately ₹1,510,534 in today's money.
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