SIP of ₹4,500 per Month for 5 Years
Complete compounding breakdown for a Systematic Investment Plan (SIP) of ₹4,500 monthly over a 5-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% | ₹270,000 | +₹49,756 | ₹319,756 |
| Public Provident Fund (PPF) | 7.1% | ₹270,000 | +₹54,914 | ₹324,914 |
| Conservative Hybrid Funds | 8.0% | ₹270,000 | +₹62,850 | ₹332,850 |
| Large Cap / Nifty 50 Index | 10.0% | ₹270,000 | +₹81,371 | ₹351,371 |
| Diversified Equity (Flexi Cap / Multicap) | 12.0% | ₹270,000 | +₹101,189 | ₹371,189 |
| Mid Cap / Small Cap Funds | 15.0% | ₹270,000 | +₹133,568 | ₹403,568 |
Year-by-Year Wealth Accumulation Schedule (@ 12% CAGR)
| Timeline | Invested Principal | Growth / Gains | Total Corpus Value |
|---|---|---|---|
| Year 1 | ₹54,000 | +₹3,642 | ₹57,642 |
| Year 2 | ₹108,000 | +₹14,594 | ₹122,594 |
| Year 3 | ₹162,000 | +₹33,784 | ₹195,784 |
| Year 4 | ₹216,000 | +₹62,257 | ₹278,257 |
| Year 5 | ₹270,000 | +₹101,189 | ₹371,189 |
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Frequently Asked Questions
How much will ₹4,500 invested monthly in SIP become after 5 years?
At a standard historical equity index return of 12% CAGR, a monthly SIP of ₹4,500 for 5 years generates a maturity corpus of approximately ₹371,189 against an invested principal of ₹270,000, earning a wealth gain of ₹101,189.
What is the tax on the returns of ₹4,500 SIP after 5 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 ₹371,189.
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 ₹319,756. An equity SIP at 12% delivers ₹371,189, generating ₹51,433 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 5 years, the purchasing power of your ₹371,189 maturity corpus will be equivalent to approximately ₹277,374 in today's money.
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