SIP of ₹6,000 per Month for 11 Years
Complete compounding breakdown for a Systematic Investment Plan (SIP) of ₹6,000 monthly over a 11-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% | ₹792,000 | +₹366,514 | ₹1,158,514 |
| Public Provident Fund (PPF) | 7.1% | ₹792,000 | +₹410,307 | ₹1,202,307 |
| Conservative Hybrid Funds | 8.0% | ₹792,000 | +₹479,906 | ₹1,271,906 |
| Large Cap / Nifty 50 Index | 10.0% | ₹792,000 | +₹653,106 | ₹1,445,106 |
| Diversified Equity (Flexi Cap / Multicap) | 12.0% | ₹792,000 | +₹855,689 | ₹1,647,689 |
| Mid Cap / Small Cap Funds | 15.0% | ₹792,000 | +₹1,226,843 | ₹2,018,843 |
Year-by-Year Wealth Accumulation Schedule (@ 12% CAGR)
| Timeline | Invested Principal | Growth / Gains | Total Corpus Value |
|---|---|---|---|
| Year 1 | ₹72,000 | +₹4,856 | ₹76,856 |
| Year 2 | ₹144,000 | +₹19,459 | ₹163,459 |
| Year 3 | ₹216,000 | +₹45,046 | ₹261,046 |
| Year 4 | ₹288,000 | +₹83,009 | ₹371,009 |
| Year 5 | ₹360,000 | +₹134,918 | ₹494,918 |
| Year 6 | ₹432,000 | +₹202,542 | ₹634,542 |
| Year 7 | ₹504,000 | +₹287,874 | ₹791,874 |
| Year 8 | ₹576,000 | +₹393,159 | ₹969,159 |
| Year 9 | ₹648,000 | +₹520,929 | ₹1,168,929 |
| Year 10 | ₹720,000 | +₹674,034 | ₹1,394,034 |
| Year 11 | ₹792,000 | +₹855,689 | ₹1,647,689 |
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 ₹6,000 invested monthly in SIP become after 11 years?
At a standard historical equity index return of 12% CAGR, a monthly SIP of ₹6,000 for 11 years generates a maturity corpus of approximately ₹1,647,689 against an invested principal of ₹792,000, earning a wealth gain of ₹855,689.
What is the tax on the returns of ₹6,000 SIP after 11 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 ₹91,336, leaving a net post-tax maturity value of ₹1,556,353.
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 ₹1,158,514. An equity SIP at 12% delivers ₹1,647,689, generating ₹489,175 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 11 years, the purchasing power of your ₹1,647,689 maturity corpus will be equivalent to approximately ₹867,982 in today's money.
Explore other durations: View All SIP Scenarios · All Financial Calculators · Mutual Funds Directory