SIP of ₹75,000 per Month for 5 Years
Complete compounding breakdown for a Systematic Investment Plan (SIP) of ₹75,000 monthly over a 5-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% | ₹4,500,000 | +₹829,259 | ₹5,329,259 |
| Public Provident Fund (PPF) | 7.1% | ₹4,500,000 | +₹915,240 | ₹5,415,240 |
| Conservative Hybrid Funds | 8.0% | ₹4,500,000 | +₹1,047,503 | ₹5,547,503 |
| Large Cap / Nifty 50 Index | 10.0% | ₹4,500,000 | +₹1,356,179 | ₹5,856,179 |
| Diversified Equity (Flexi Cap / Multicap) | 12.0% | ₹4,500,000 | +₹1,686,477 | ₹6,186,477 |
| Mid Cap / Small Cap Funds | 15.0% | ₹4,500,000 | +₹2,226,127 | ₹6,726,127 |
Year-by-Year Wealth Accumulation Schedule (@ 12% CAGR)
| Timeline | Invested Principal | Growth / Gains | Total Corpus Value |
|---|---|---|---|
| Year 1 | ₹900,000 | +₹60,700 | ₹960,700 |
| Year 2 | ₹1,800,000 | +₹243,240 | ₹2,043,240 |
| Year 3 | ₹2,700,000 | +₹563,074 | ₹3,263,074 |
| Year 4 | ₹3,600,000 | +₹1,037,613 | ₹4,637,613 |
| Year 5 | ₹4,500,000 | +₹1,686,477 | ₹6,186,477 |
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Frequently Asked Questions
How much will ₹75,000 invested monthly in SIP become after 5 years?
At a standard historical equity index return of 12% CAGR, a monthly SIP of ₹75,000 for 5 years generates a maturity corpus of approximately ₹6,186,477 against an invested principal of ₹4,500,000, earning a wealth gain of ₹1,686,477.
What is the tax on the returns of ₹75,000 SIP after 5 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 ₹195,185, leaving a net post-tax maturity value of ₹5,991,293.
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 ₹5,329,259. An equity SIP at 12% delivers ₹6,186,477, generating ₹857,219 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 5 years, the purchasing power of your ₹6,186,477 maturity corpus will be equivalent to approximately ₹4,622,896 in today's money.
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