SIP of ₹18,000 per Month for 2 Years
Complete compounding breakdown for a Systematic Investment Plan (SIP) of ₹18,000 monthly over a 2-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% | ₹432,000 | +₹30,502 | ₹462,502 |
| Public Provident Fund (PPF) | 7.1% | ₹432,000 | +₹33,448 | ₹465,448 |
| Conservative Hybrid Funds | 8.0% | ₹432,000 | +₹37,909 | ₹469,909 |
| Large Cap / Nifty 50 Index | 10.0% | ₹432,000 | +₹48,012 | ₹480,012 |
| Diversified Equity (Flexi Cap / Multicap) | 12.0% | ₹432,000 | +₹58,378 | ₹490,378 |
| Mid Cap / Small Cap Funds | 15.0% | ₹432,000 | +₹74,438 | ₹506,438 |
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 |
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 ₹18,000 invested monthly in SIP become after 2 years?
At a standard historical equity index return of 12% CAGR, a monthly SIP of ₹18,000 for 2 years generates a maturity corpus of approximately ₹490,378 against an invested principal of ₹432,000, earning a wealth gain of ₹58,378.
What is the tax on the returns of ₹18,000 SIP after 2 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 ₹0, leaving a net post-tax maturity value of ₹490,378.
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 ₹462,502. An equity SIP at 12% delivers ₹490,378, generating ₹27,876 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 2 years, the purchasing power of your ₹490,378 maturity corpus will be equivalent to approximately ₹436,434 in today's money.
Explore other durations: View All SIP Scenarios · All Financial Calculators · Mutual Funds Directory