SIP of ₹6,000 per Month for 9 Years
Complete compounding breakdown for a Systematic Investment Plan (SIP) of ₹6,000 monthly over a 9-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% | ₹648,000 | +₹234,222 | ₹882,222 |
| Public Provident Fund (PPF) | 7.1% | ₹648,000 | +₹260,917 | ₹908,917 |
| Conservative Hybrid Funds | 8.0% | ₹648,000 | +₹302,874 | ₹950,874 |
| Large Cap / Nifty 50 Index | 10.0% | ₹648,000 | +₹405,025 | ₹1,053,025 |
| Diversified Equity (Flexi Cap / Multicap) | 12.0% | ₹648,000 | +₹520,929 | ₹1,168,929 |
| Mid Cap / Small Cap Funds | 15.0% | ₹648,000 | +₹725,087 | ₹1,373,087 |
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 |
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Frequently Asked Questions
How much will ₹6,000 invested monthly in SIP become after 9 years?
At a standard historical equity index return of 12% CAGR, a monthly SIP of ₹6,000 for 9 years generates a maturity corpus of approximately ₹1,168,929 against an invested principal of ₹648,000, earning a wealth gain of ₹520,929.
What is the tax on the returns of ₹6,000 SIP after 9 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 ₹49,491, leaving a net post-tax maturity value of ₹1,119,438.
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 ₹882,222. An equity SIP at 12% delivers ₹1,168,929, generating ₹286,707 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 9 years, the purchasing power of your ₹1,168,929 maturity corpus will be equivalent to approximately ₹691,887 in today's money.
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