SIP of ₹150,000 per Month for 5 Years
Complete compounding breakdown for a Systematic Investment Plan (SIP) of ₹150,000 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% | ₹9,000,000 | +₹1,658,518 | ₹10,658,518 |
| Public Provident Fund (PPF) | 7.1% | ₹9,000,000 | +₹1,830,480 | ₹10,830,480 |
| Conservative Hybrid Funds | 8.0% | ₹9,000,000 | +₹2,095,005 | ₹11,095,005 |
| Large Cap / Nifty 50 Index | 10.0% | ₹9,000,000 | +₹2,712,357 | ₹11,712,357 |
| Diversified Equity (Flexi Cap / Multicap) | 12.0% | ₹9,000,000 | +₹3,372,955 | ₹12,372,955 |
| Mid Cap / Small Cap Funds | 15.0% | ₹9,000,000 | +₹4,452,253 | ₹13,452,253 |
Year-by-Year Wealth Accumulation Schedule (@ 12% CAGR)
| Timeline | Invested Principal | Growth / Gains | Total Corpus Value |
|---|---|---|---|
| Year 1 | ₹1,800,000 | +₹121,399 | ₹1,921,399 |
| Year 2 | ₹3,600,000 | +₹486,480 | ₹4,086,480 |
| Year 3 | ₹5,400,000 | +₹1,126,147 | ₹6,526,147 |
| Year 4 | ₹7,200,000 | +₹2,075,225 | ₹9,275,225 |
| Year 5 | ₹9,000,000 | +₹3,372,955 | ₹12,372,955 |
Invest in 0% Commission Direct Mutual Funds
Start a monthly SIP on Zerodha Coin or Groww with zero distributor commissions.
Frequently Asked Questions
How much will ₹150,000 invested monthly in SIP become after 5 years?
At a standard historical equity index return of 12% CAGR, a monthly SIP of ₹150,000 for 5 years generates a maturity corpus of approximately ₹12,372,955 against an invested principal of ₹9,000,000, earning a wealth gain of ₹3,372,955.
What is the tax on the returns of ₹150,000 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 ₹405,994, leaving a net post-tax maturity value of ₹11,966,961.
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 ₹10,658,518. An equity SIP at 12% delivers ₹12,372,955, generating ₹1,714,437 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 ₹12,372,955 maturity corpus will be equivalent to approximately ₹9,245,792 in today's money.
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