SIP of ₹1,500 per Month for 5 Years
Complete compounding breakdown for a Systematic Investment Plan (SIP) of ₹1,500 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% | ₹90,000 | +₹16,585 | ₹106,585 |
| Public Provident Fund (PPF) | 7.1% | ₹90,000 | +₹18,305 | ₹108,305 |
| Conservative Hybrid Funds | 8.0% | ₹90,000 | +₹20,950 | ₹110,950 |
| Large Cap / Nifty 50 Index | 10.0% | ₹90,000 | +₹27,124 | ₹117,124 |
| Diversified Equity (Flexi Cap / Multicap) | 12.0% | ₹90,000 | +₹33,730 | ₹123,730 |
| Mid Cap / Small Cap Funds | 15.0% | ₹90,000 | +₹44,523 | ₹134,523 |
Year-by-Year Wealth Accumulation Schedule (@ 12% CAGR)
| Timeline | Invested Principal | Growth / Gains | Total Corpus Value |
|---|---|---|---|
| Year 1 | ₹18,000 | +₹1,214 | ₹19,214 |
| Year 2 | ₹36,000 | +₹4,865 | ₹40,865 |
| Year 3 | ₹54,000 | +₹11,261 | ₹65,261 |
| Year 4 | ₹72,000 | +₹20,752 | ₹92,752 |
| Year 5 | ₹90,000 | +₹33,730 | ₹123,730 |
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Frequently Asked Questions
How much will ₹1,500 invested monthly in SIP become after 5 years?
At a standard historical equity index return of 12% CAGR, a monthly SIP of ₹1,500 for 5 years generates a maturity corpus of approximately ₹123,730 against an invested principal of ₹90,000, earning a wealth gain of ₹33,730.
What is the tax on the returns of ₹1,500 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 ₹0, leaving a net post-tax maturity value of ₹123,730.
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 ₹106,585. An equity SIP at 12% delivers ₹123,730, generating ₹17,144 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 ₹123,730 maturity corpus will be equivalent to approximately ₹92,458 in today's money.
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