SIP of ₹7,500 per Month for 11 Years
Complete compounding breakdown for a Systematic Investment Plan (SIP) of ₹7,500 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% | ₹990,000 | +₹458,143 | ₹1,448,143 |
| Public Provident Fund (PPF) | 7.1% | ₹990,000 | +₹512,884 | ₹1,502,884 |
| Conservative Hybrid Funds | 8.0% | ₹990,000 | +₹599,882 | ₹1,589,882 |
| Large Cap / Nifty 50 Index | 10.0% | ₹990,000 | +₹816,382 | ₹1,806,382 |
| Diversified Equity (Flexi Cap / Multicap) | 12.0% | ₹990,000 | +₹1,069,611 | ₹2,059,611 |
| Mid Cap / Small Cap Funds | 15.0% | ₹990,000 | +₹1,533,554 | ₹2,523,554 |
Year-by-Year Wealth Accumulation Schedule (@ 12% CAGR)
| Timeline | Invested Principal | Growth / Gains | Total Corpus Value |
|---|---|---|---|
| Year 1 | ₹90,000 | +₹6,070 | ₹96,070 |
| Year 2 | ₹180,000 | +₹24,324 | ₹204,324 |
| Year 3 | ₹270,000 | +₹56,307 | ₹326,307 |
| Year 4 | ₹360,000 | +₹103,761 | ₹463,761 |
| Year 5 | ₹450,000 | +₹168,648 | ₹618,648 |
| Year 6 | ₹540,000 | +₹253,178 | ₹793,178 |
| Year 7 | ₹630,000 | +₹359,842 | ₹989,842 |
| Year 8 | ₹720,000 | +₹491,449 | ₹1,211,449 |
| Year 9 | ₹810,000 | +₹651,161 | ₹1,461,161 |
| Year 10 | ₹900,000 | +₹842,543 | ₹1,742,543 |
| Year 11 | ₹990,000 | +₹1,069,611 | ₹2,059,611 |
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Frequently Asked Questions
How much will ₹7,500 invested monthly in SIP become after 11 years?
At a standard historical equity index return of 12% CAGR, a monthly SIP of ₹7,500 for 11 years generates a maturity corpus of approximately ₹2,059,611 against an invested principal of ₹990,000, earning a wealth gain of ₹1,069,611.
What is the tax on the returns of ₹7,500 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 ₹118,076, leaving a net post-tax maturity value of ₹1,941,535.
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 ₹1,448,143. An equity SIP at 12% delivers ₹2,059,611, generating ₹611,468 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 ₹2,059,611 maturity corpus will be equivalent to approximately ₹1,084,977 in today's money.
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