SIP of ₹200,000 per Month for 1 Years
Complete compounding breakdown for a Systematic Investment Plan (SIP) of ₹200,000 monthly over a 1-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% | ₹2,400,000 | +₹86,201 | ₹2,486,201 |
| Public Provident Fund (PPF) | 7.1% | ₹2,400,000 | +₹94,332 | ₹2,494,332 |
| Conservative Hybrid Funds | 8.0% | ₹2,400,000 | +₹106,585 | ₹2,506,585 |
| Large Cap / Nifty 50 Index | 10.0% | ₹2,400,000 | +₹134,056 | ₹2,534,056 |
| Diversified Equity (Flexi Cap / Multicap) | 12.0% | ₹2,400,000 | +₹161,866 | ₹2,561,866 |
| Mid Cap / Small Cap Funds | 15.0% | ₹2,400,000 | +₹204,223 | ₹2,604,223 |
Year-by-Year Wealth Accumulation Schedule (@ 12% CAGR)
| Timeline | Invested Principal | Growth / Gains | Total Corpus Value |
|---|---|---|---|
| Year 1 | ₹2,400,000 | +₹161,866 | ₹2,561,866 |
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 ₹200,000 invested monthly in SIP become after 1 years?
At a standard historical equity index return of 12% CAGR, a monthly SIP of ₹200,000 for 1 years generates a maturity corpus of approximately ₹2,561,866 against an invested principal of ₹2,400,000, earning a wealth gain of ₹161,866.
What is the tax on the returns of ₹200,000 SIP after 1 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 ₹4,608, leaving a net post-tax maturity value of ₹2,557,257.
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 ₹2,486,201. An equity SIP at 12% delivers ₹2,561,866, generating ₹75,664 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 1 years, the purchasing power of your ₹2,561,866 maturity corpus will be equivalent to approximately ₹2,416,854 in today's money.
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