SIP of ₹20,000 per Month for 15 Years
Complete compounding breakdown for a Systematic Investment Plan (SIP) of ₹20,000 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% | ₹3,600,000 | +₹2,503,779 | ₹6,103,779 |
| Public Provident Fund (PPF) | 7.1% | ₹3,600,000 | +₹2,832,482 | ₹6,432,482 |
| Conservative Hybrid Funds | 8.0% | ₹3,600,000 | +₹3,366,903 | ₹6,966,903 |
| Large Cap / Nifty 50 Index | 10.0% | ₹3,600,000 | +₹4,758,485 | ₹8,358,485 |
| Diversified Equity (Flexi Cap / Multicap) | 12.0% | ₹3,600,000 | +₹6,491,520 | ₹10,091,520 |
| Mid Cap / Small Cap Funds | 15.0% | ₹3,600,000 | +₹9,937,262 | ₹13,537,262 |
Year-by-Year Wealth Accumulation Schedule (@ 12% CAGR)
| Timeline | Invested Principal | Growth / Gains | Total Corpus Value |
|---|---|---|---|
| Year 1 | ₹240,000 | +₹16,187 | ₹256,187 |
| Year 2 | ₹480,000 | +₹64,864 | ₹544,864 |
| Year 3 | ₹720,000 | +₹150,153 | ₹870,153 |
| Year 4 | ₹960,000 | +₹276,697 | ₹1,236,697 |
| Year 5 | ₹1,200,000 | +₹449,727 | ₹1,649,727 |
| Year 6 | ₹1,440,000 | +₹675,141 | ₹2,115,141 |
| Year 7 | ₹1,680,000 | +₹959,580 | ₹2,639,580 |
| Year 8 | ₹1,920,000 | +₹1,310,531 | ₹3,230,531 |
| Year 9 | ₹2,160,000 | +₹1,736,430 | ₹3,896,430 |
| Year 10 | ₹2,400,000 | +₹2,246,782 | ₹4,646,782 |
| Year 11 | ₹2,640,000 | +₹2,852,296 | ₹5,492,296 |
| Year 12 | ₹2,880,000 | +₹3,565,044 | ₹6,445,044 |
| Year 13 | ₹3,120,000 | +₹4,398,623 | ₹7,518,623 |
| Year 14 | ₹3,360,000 | +₹5,368,359 | ₹8,728,359 |
| Year 15 | ₹3,600,000 | +₹6,491,520 | ₹10,091,520 |
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 ₹20,000 invested monthly in SIP become after 15 years?
At a standard historical equity index return of 12% CAGR, a monthly SIP of ₹20,000 for 15 years generates a maturity corpus of approximately ₹10,091,520 against an invested principal of ₹3,600,000, earning a wealth gain of ₹6,491,520.
What is the tax on the returns of ₹20,000 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 ₹795,815, leaving a net post-tax maturity value of ₹9,295,705.
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 ₹6,103,779. An equity SIP at 12% delivers ₹10,091,520, generating ₹3,987,741 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 ₹10,091,520 maturity corpus will be equivalent to approximately ₹4,210,839 in today's money.
Explore other durations: View All SIP Scenarios · All Financial Calculators · Mutual Funds Directory