SIP of ₹3,000 per Month for 17 Years
Complete compounding breakdown for a Systematic Investment Plan (SIP) of ₹3,000 monthly over a 17-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% | ₹612,000 | +₹507,391 | ₹1,119,391 |
| Public Provident Fund (PPF) | 7.1% | ₹612,000 | +₹577,199 | ₹1,189,199 |
| Conservative Hybrid Funds | 8.0% | ₹612,000 | +₹692,028 | ₹1,304,028 |
| Large Cap / Nifty 50 Index | 10.0% | ₹612,000 | +₹998,095 | ₹1,610,095 |
| Diversified Equity (Flexi Cap / Multicap) | 12.0% | ₹612,000 | +₹1,391,762 | ₹2,003,762 |
| Mid Cap / Small Cap Funds | 15.0% | ₹612,000 | +₹2,208,323 | ₹2,820,323 |
Year-by-Year Wealth Accumulation Schedule (@ 12% CAGR)
| Timeline | Invested Principal | Growth / Gains | Total Corpus Value |
|---|---|---|---|
| Year 1 | ₹36,000 | +₹2,428 | ₹38,428 |
| Year 2 | ₹72,000 | +₹9,730 | ₹81,730 |
| Year 3 | ₹108,000 | +₹22,523 | ₹130,523 |
| Year 4 | ₹144,000 | +₹41,504 | ₹185,504 |
| Year 5 | ₹180,000 | +₹67,459 | ₹247,459 |
| Year 6 | ₹216,000 | +₹101,271 | ₹317,271 |
| Year 7 | ₹252,000 | +₹143,937 | ₹395,937 |
| Year 8 | ₹288,000 | +₹196,580 | ₹484,580 |
| Year 9 | ₹324,000 | +₹260,465 | ₹584,465 |
| Year 10 | ₹360,000 | +₹337,017 | ₹697,017 |
| Year 11 | ₹396,000 | +₹427,844 | ₹823,844 |
| Year 12 | ₹432,000 | +₹534,757 | ₹966,757 |
| Year 13 | ₹468,000 | +₹659,793 | ₹1,127,793 |
| Year 14 | ₹504,000 | +₹805,254 | ₹1,309,254 |
| Year 15 | ₹540,000 | +₹973,728 | ₹1,513,728 |
| Year 16 | ₹576,000 | +₹1,168,135 | ₹1,744,135 |
| Year 17 | ₹612,000 | +₹1,391,762 | ₹2,003,762 |
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Frequently Asked Questions
How much will ₹3,000 invested monthly in SIP become after 17 years?
At a standard historical equity index return of 12% CAGR, a monthly SIP of ₹3,000 for 17 years generates a maturity corpus of approximately ₹2,003,762 against an invested principal of ₹612,000, earning a wealth gain of ₹1,391,762.
What is the tax on the returns of ₹3,000 SIP after 17 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 ₹158,345, leaving a net post-tax maturity value of ₹1,845,417.
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 ₹1,119,391. An equity SIP at 12% delivers ₹2,003,762, generating ₹884,371 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 17 years, the purchasing power of your ₹2,003,762 maturity corpus will be equivalent to approximately ₹744,126 in today's money.
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