SIP of ₹18,000 per Month for 15 Years
Complete compounding breakdown for a Systematic Investment Plan (SIP) of ₹18,000 monthly over a 15-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% | ₹3,240,000 | +₹2,253,401 | ₹5,493,401 |
| Public Provident Fund (PPF) | 7.1% | ₹3,240,000 | +₹2,549,234 | ₹5,789,234 |
| Conservative Hybrid Funds | 8.0% | ₹3,240,000 | +₹3,030,213 | ₹6,270,213 |
| Large Cap / Nifty 50 Index | 10.0% | ₹3,240,000 | +₹4,282,637 | ₹7,522,637 |
| Diversified Equity (Flexi Cap / Multicap) | 12.0% | ₹3,240,000 | +₹5,842,368 | ₹9,082,368 |
| Mid Cap / Small Cap Funds | 15.0% | ₹3,240,000 | +₹8,943,536 | ₹12,183,536 |
Year-by-Year Wealth Accumulation Schedule (@ 12% CAGR)
| Timeline | Invested Principal | Growth / Gains | Total Corpus Value |
|---|---|---|---|
| Year 1 | ₹216,000 | +₹14,568 | ₹230,568 |
| Year 2 | ₹432,000 | +₹58,378 | ₹490,378 |
| Year 3 | ₹648,000 | +₹135,138 | ₹783,138 |
| Year 4 | ₹864,000 | +₹249,027 | ₹1,113,027 |
| Year 5 | ₹1,080,000 | +₹404,755 | ₹1,484,755 |
| Year 6 | ₹1,296,000 | +₹607,627 | ₹1,903,627 |
| Year 7 | ₹1,512,000 | +₹863,622 | ₹2,375,622 |
| Year 8 | ₹1,728,000 | +₹1,179,478 | ₹2,907,478 |
| Year 9 | ₹1,944,000 | +₹1,562,787 | ₹3,506,787 |
| Year 10 | ₹2,160,000 | +₹2,022,103 | ₹4,182,103 |
| Year 11 | ₹2,376,000 | +₹2,567,067 | ₹4,943,067 |
| Year 12 | ₹2,592,000 | +₹3,208,539 | ₹5,800,539 |
| Year 13 | ₹2,808,000 | +₹3,958,761 | ₹6,766,761 |
| Year 14 | ₹3,024,000 | +₹4,831,523 | ₹7,855,523 |
| Year 15 | ₹3,240,000 | +₹5,842,368 | ₹9,082,368 |
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Frequently Asked Questions
How much will ₹18,000 invested monthly in SIP become after 15 years?
At a standard historical equity index return of 12% CAGR, a monthly SIP of ₹18,000 for 15 years generates a maturity corpus of approximately ₹9,082,368 against an invested principal of ₹3,240,000, earning a wealth gain of ₹5,842,368.
What is the tax on the returns of ₹18,000 SIP after 15 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 ₹714,671, leaving a net post-tax maturity value of ₹8,367,697.
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 ₹5,493,401. An equity SIP at 12% delivers ₹9,082,368, generating ₹3,588,967 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 15 years, the purchasing power of your ₹9,082,368 maturity corpus will be equivalent to approximately ₹3,789,755 in today's money.
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