SIP of ₹15,000 per Month for 5 Years
Complete compounding breakdown for a Systematic Investment Plan (SIP) of ₹15,000 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% | ₹900,000 | +₹165,852 | ₹1,065,852 |
| Public Provident Fund (PPF) | 7.1% | ₹900,000 | +₹183,048 | ₹1,083,048 |
| Conservative Hybrid Funds | 8.0% | ₹900,000 | +₹209,501 | ₹1,109,501 |
| Large Cap / Nifty 50 Index | 10.0% | ₹900,000 | +₹271,236 | ₹1,171,236 |
| Diversified Equity (Flexi Cap / Multicap) | 12.0% | ₹900,000 | +₹337,296 | ₹1,237,296 |
| Mid Cap / Small Cap Funds | 15.0% | ₹900,000 | +₹445,225 | ₹1,345,225 |
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 |
| Year 5 | ₹900,000 | +₹337,296 | ₹1,237,296 |
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Frequently Asked Questions
How much will ₹15,000 invested monthly in SIP become after 5 years?
At a standard historical equity index return of 12% CAGR, a monthly SIP of ₹15,000 for 5 years generates a maturity corpus of approximately ₹1,237,296 against an invested principal of ₹900,000, earning a wealth gain of ₹337,296.
What is the tax on the returns of ₹15,000 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 ₹26,537, leaving a net post-tax maturity value of ₹1,210,759.
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 ₹1,065,852. An equity SIP at 12% delivers ₹1,237,296, generating ₹171,444 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 ₹1,237,296 maturity corpus will be equivalent to approximately ₹924,579 in today's money.
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