SIP of ₹2,500 per Month for 8 Years
Complete compounding breakdown for a Systematic Investment Plan (SIP) of ₹2,500 monthly over a 8-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% | ₹240,000 | +₹75,393 | ₹315,393 |
| Public Provident Fund (PPF) | 7.1% | ₹240,000 | +₹83,785 | ₹323,785 |
| Conservative Hybrid Funds | 8.0% | ₹240,000 | +₹96,903 | ₹336,903 |
| Large Cap / Nifty 50 Index | 10.0% | ₹240,000 | +₹128,498 | ₹368,498 |
| Diversified Equity (Flexi Cap / Multicap) | 12.0% | ₹240,000 | +₹163,816 | ₹403,816 |
| Mid Cap / Small Cap Funds | 15.0% | ₹240,000 | +₹224,841 | ₹464,841 |
Year-by-Year Wealth Accumulation Schedule (@ 12% CAGR)
| Timeline | Invested Principal | Growth / Gains | Total Corpus Value |
|---|---|---|---|
| Year 1 | ₹30,000 | +₹2,023 | ₹32,023 |
| Year 2 | ₹60,000 | +₹8,108 | ₹68,108 |
| Year 3 | ₹90,000 | +₹18,769 | ₹108,769 |
| Year 4 | ₹120,000 | +₹34,587 | ₹154,587 |
| Year 5 | ₹150,000 | +₹56,216 | ₹206,216 |
| Year 6 | ₹180,000 | +₹84,393 | ₹264,393 |
| Year 7 | ₹210,000 | +₹119,947 | ₹329,947 |
| Year 8 | ₹240,000 | +₹163,816 | ₹403,816 |
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 ₹2,500 invested monthly in SIP become after 8 years?
At a standard historical equity index return of 12% CAGR, a monthly SIP of ₹2,500 for 8 years generates a maturity corpus of approximately ₹403,816 against an invested principal of ₹240,000, earning a wealth gain of ₹163,816.
What is the tax on the returns of ₹2,500 SIP after 8 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 ₹4,852, leaving a net post-tax maturity value of ₹398,964.
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 ₹315,393. An equity SIP at 12% delivers ₹403,816, generating ₹88,424 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 8 years, the purchasing power of your ₹403,816 maturity corpus will be equivalent to approximately ₹253,359 in today's money.
Explore other durations: View All SIP Scenarios · All Financial Calculators · Mutual Funds Directory