SIP of ₹6,000 per Month for 17 Years
Complete compounding breakdown for a Systematic Investment Plan (SIP) of ₹6,000 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% | ₹1,224,000 | +₹1,014,783 | ₹2,238,783 |
| Public Provident Fund (PPF) | 7.1% | ₹1,224,000 | +₹1,154,397 | ₹2,378,397 |
| Conservative Hybrid Funds | 8.0% | ₹1,224,000 | +₹1,384,055 | ₹2,608,055 |
| Large Cap / Nifty 50 Index | 10.0% | ₹1,224,000 | +₹1,996,190 | ₹3,220,190 |
| Diversified Equity (Flexi Cap / Multicap) | 12.0% | ₹1,224,000 | +₹2,783,525 | ₹4,007,525 |
| Mid Cap / Small Cap Funds | 15.0% | ₹1,224,000 | +₹4,416,646 | ₹5,640,646 |
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 |
| Year 12 | ₹864,000 | +₹1,069,513 | ₹1,933,513 |
| Year 13 | ₹936,000 | +₹1,319,587 | ₹2,255,587 |
| Year 14 | ₹1,008,000 | +₹1,610,508 | ₹2,618,508 |
| Year 15 | ₹1,080,000 | +₹1,947,456 | ₹3,027,456 |
| Year 16 | ₹1,152,000 | +₹2,336,269 | ₹3,488,269 |
| Year 17 | ₹1,224,000 | +₹2,783,525 | ₹4,007,525 |
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Frequently Asked Questions
How much will ₹6,000 invested monthly in SIP become after 17 years?
At a standard historical equity index return of 12% CAGR, a monthly SIP of ₹6,000 for 17 years generates a maturity corpus of approximately ₹4,007,525 against an invested principal of ₹1,224,000, earning a wealth gain of ₹2,783,525.
What is the tax on the returns of ₹6,000 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 ₹332,316, leaving a net post-tax maturity value of ₹3,675,209.
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 ₹2,238,783. An equity SIP at 12% delivers ₹4,007,525, generating ₹1,768,742 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 ₹4,007,525 maturity corpus will be equivalent to approximately ₹1,488,252 in today's money.
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