SIP of ₹60,000 per Month for 4 Years
Complete compounding breakdown for a Systematic Investment Plan (SIP) of ₹60,000 monthly over a 4-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% | ₹2,880,000 | +₹416,757 | ₹3,296,757 |
| Public Provident Fund (PPF) | 7.1% | ₹2,880,000 | +₹458,958 | ₹3,338,958 |
| Conservative Hybrid Funds | 8.0% | ₹2,880,000 | +₹523,535 | ₹3,403,535 |
| Large Cap / Nifty 50 Index | 10.0% | ₹2,880,000 | +₹672,711 | ₹3,552,711 |
| Diversified Equity (Flexi Cap / Multicap) | 12.0% | ₹2,880,000 | +₹830,090 | ₹3,710,090 |
| Mid Cap / Small Cap Funds | 15.0% | ₹2,880,000 | +₹1,082,625 | ₹3,962,625 |
Year-by-Year Wealth Accumulation Schedule (@ 12% CAGR)
| Timeline | Invested Principal | Growth / Gains | Total Corpus Value |
|---|---|---|---|
| Year 1 | ₹720,000 | +₹48,560 | ₹768,560 |
| Year 2 | ₹1,440,000 | +₹194,592 | ₹1,634,592 |
| Year 3 | ₹2,160,000 | +₹450,459 | ₹2,610,459 |
| Year 4 | ₹2,880,000 | +₹830,090 | ₹3,710,090 |
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Frequently Asked Questions
How much will ₹60,000 invested monthly in SIP become after 4 years?
At a standard historical equity index return of 12% CAGR, a monthly SIP of ₹60,000 for 4 years generates a maturity corpus of approximately ₹3,710,090 against an invested principal of ₹2,880,000, earning a wealth gain of ₹830,090.
What is the tax on the returns of ₹60,000 SIP after 4 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 ₹88,136, leaving a net post-tax maturity value of ₹3,621,954.
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 ₹3,296,757. An equity SIP at 12% delivers ₹3,710,090, generating ₹413,333 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 4 years, the purchasing power of your ₹3,710,090 maturity corpus will be equivalent to approximately ₹2,938,739 in today's money.
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