SIP of ₹45,000 per Month for 2 Years
Complete compounding breakdown for a Systematic Investment Plan (SIP) of ₹45,000 monthly over a 2-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% | ₹1,080,000 | +₹76,254 | ₹1,156,254 |
| Public Provident Fund (PPF) | 7.1% | ₹1,080,000 | +₹83,619 | ₹1,163,619 |
| Conservative Hybrid Funds | 8.0% | ₹1,080,000 | +₹94,774 | ₹1,174,774 |
| Large Cap / Nifty 50 Index | 10.0% | ₹1,080,000 | +₹120,029 | ₹1,200,029 |
| Diversified Equity (Flexi Cap / Multicap) | 12.0% | ₹1,080,000 | +₹145,944 | ₹1,225,944 |
| Mid Cap / Small Cap Funds | 15.0% | ₹1,080,000 | +₹186,095 | ₹1,266,095 |
Year-by-Year Wealth Accumulation Schedule (@ 12% CAGR)
| Timeline | Invested Principal | Growth / Gains | Total Corpus Value |
|---|---|---|---|
| Year 1 | ₹540,000 | +₹36,420 | ₹576,420 |
| Year 2 | ₹1,080,000 | +₹145,944 | ₹1,225,944 |
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 ₹45,000 invested monthly in SIP become after 2 years?
At a standard historical equity index return of 12% CAGR, a monthly SIP of ₹45,000 for 2 years generates a maturity corpus of approximately ₹1,225,944 against an invested principal of ₹1,080,000, earning a wealth gain of ₹145,944.
What is the tax on the returns of ₹45,000 SIP after 2 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 ₹2,618, leaving a net post-tax maturity value of ₹1,223,326.
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 ₹1,156,254. An equity SIP at 12% delivers ₹1,225,944, generating ₹69,690 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 2 years, the purchasing power of your ₹1,225,944 maturity corpus will be equivalent to approximately ₹1,091,086 in today's money.
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