SIP of ₹15,000 per Month for 9 Years
Complete compounding breakdown for a Systematic Investment Plan (SIP) of ₹15,000 monthly over a 9-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% | ₹1,620,000 | +₹585,555 | ₹2,205,555 |
| Public Provident Fund (PPF) | 7.1% | ₹1,620,000 | +₹652,293 | ₹2,272,293 |
| Conservative Hybrid Funds | 8.0% | ₹1,620,000 | +₹757,186 | ₹2,377,186 |
| Large Cap / Nifty 50 Index | 10.0% | ₹1,620,000 | +₹1,012,562 | ₹2,632,562 |
| Diversified Equity (Flexi Cap / Multicap) | 12.0% | ₹1,620,000 | +₹1,302,323 | ₹2,922,323 |
| Mid Cap / Small Cap Funds | 15.0% | ₹1,620,000 | +₹1,812,717 | ₹3,432,717 |
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 |
| Year 6 | ₹1,080,000 | +₹506,355 | ₹1,586,355 |
| Year 7 | ₹1,260,000 | +₹719,685 | ₹1,979,685 |
| Year 8 | ₹1,440,000 | +₹982,898 | ₹2,422,898 |
| Year 9 | ₹1,620,000 | +₹1,302,323 | ₹2,922,323 |
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Frequently Asked Questions
How much will ₹15,000 invested monthly in SIP become after 9 years?
At a standard historical equity index return of 12% CAGR, a monthly SIP of ₹15,000 for 9 years generates a maturity corpus of approximately ₹2,922,323 against an invested principal of ₹1,620,000, earning a wealth gain of ₹1,302,323.
What is the tax on the returns of ₹15,000 SIP after 9 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 ₹147,165, leaving a net post-tax maturity value of ₹2,775,157.
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 ₹2,205,555. An equity SIP at 12% delivers ₹2,922,323, generating ₹716,768 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 9 years, the purchasing power of your ₹2,922,323 maturity corpus will be equivalent to approximately ₹1,729,718 in today's money.
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