SIP of ₹15,000 per Month for 4 Years
Complete compounding breakdown for a Systematic Investment Plan (SIP) of ₹15,000 monthly over a 4-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 | +₹104,189 | ₹824,189 |
| Public Provident Fund (PPF) | 7.1% | ₹720,000 | +₹114,739 | ₹834,739 |
| Conservative Hybrid Funds | 8.0% | ₹720,000 | +₹130,884 | ₹850,884 |
| Large Cap / Nifty 50 Index | 10.0% | ₹720,000 | +₹168,178 | ₹888,178 |
| Diversified Equity (Flexi Cap / Multicap) | 12.0% | ₹720,000 | +₹207,523 | ₹927,523 |
| Mid Cap / Small Cap Funds | 15.0% | ₹720,000 | +₹270,656 | ₹990,656 |
Year-by-Year Wealth Accumulation Schedule (@ 12% CAGR)
| Timeline | Invested Principal | Growth / Gains | Total Corpus Value |
|---|---|---|---|
| Year 1 | ₹180,000 | +₹12,140 | ₹192,140 |
| Year 2 | ₹360,000 | +₹48,648 | ₹408,648 |
| Year 3 | ₹540,000 | +₹112,615 | ₹652,615 |
| Year 4 | ₹720,000 | +₹207,523 | ₹927,523 |
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Frequently Asked Questions
How much will ₹15,000 invested monthly in SIP become after 4 years?
At a standard historical equity index return of 12% CAGR, a monthly SIP of ₹15,000 for 4 years generates a maturity corpus of approximately ₹927,523 against an invested principal of ₹720,000, earning a wealth gain of ₹207,523.
What is the tax on the returns of ₹15,000 SIP after 4 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 ₹10,315, leaving a net post-tax maturity value of ₹917,207.
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 ₹824,189. An equity SIP at 12% delivers ₹927,523, generating ₹103,333 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 4 years, the purchasing power of your ₹927,523 maturity corpus will be equivalent to approximately ₹734,685 in today's money.
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