SIP of ₹25,000 per Month for 1 Years
Complete compounding breakdown for a Systematic Investment Plan (SIP) of ₹25,000 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% | ₹300,000 | +₹10,775 | ₹310,775 |
| Public Provident Fund (PPF) | 7.1% | ₹300,000 | +₹11,792 | ₹311,792 |
| Conservative Hybrid Funds | 8.0% | ₹300,000 | +₹13,323 | ₹313,323 |
| Large Cap / Nifty 50 Index | 10.0% | ₹300,000 | +₹16,757 | ₹316,757 |
| Diversified Equity (Flexi Cap / Multicap) | 12.0% | ₹300,000 | +₹20,233 | ₹320,233 |
| Mid Cap / Small Cap Funds | 15.0% | ₹300,000 | +₹25,528 | ₹325,528 |
Year-by-Year Wealth Accumulation Schedule (@ 12% CAGR)
| Timeline | Invested Principal | Growth / Gains | Total Corpus Value |
|---|---|---|---|
| Year 1 | ₹300,000 | +₹20,233 | ₹320,233 |
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Frequently Asked Questions
How much will ₹25,000 invested monthly in SIP become after 1 years?
At a standard historical equity index return of 12% CAGR, a monthly SIP of ₹25,000 for 1 years generates a maturity corpus of approximately ₹320,233 against an invested principal of ₹300,000, earning a wealth gain of ₹20,233.
What is the tax on the returns of ₹25,000 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 ₹0, leaving a net post-tax maturity value of ₹320,233.
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 ₹310,775. An equity SIP at 12% delivers ₹320,233, generating ₹9,458 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 ₹320,233 maturity corpus will be equivalent to approximately ₹302,107 in today's money.
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