SIP of ₹8,000 per Month for 10 Years
Complete compounding breakdown for a Systematic Investment Plan (SIP) of ₹8,000 monthly over a 10-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% | ₹960,000 | +₹394,523 | ₹1,354,523 |
| Public Provident Fund (PPF) | 7.1% | ₹960,000 | +₹440,563 | ₹1,400,563 |
| Conservative Hybrid Funds | 8.0% | ₹960,000 | +₹513,325 | ₹1,473,325 |
| Large Cap / Nifty 50 Index | 10.0% | ₹960,000 | +₹692,416 | ₹1,652,416 |
| Diversified Equity (Flexi Cap / Multicap) | 12.0% | ₹960,000 | +₹898,713 | ₹1,858,713 |
| Mid Cap / Small Cap Funds | 15.0% | ₹960,000 | +₹1,269,258 | ₹2,229,258 |
Year-by-Year Wealth Accumulation Schedule (@ 12% CAGR)
| Timeline | Invested Principal | Growth / Gains | Total Corpus Value |
|---|---|---|---|
| Year 1 | ₹96,000 | +₹6,475 | ₹102,475 |
| Year 2 | ₹192,000 | +₹25,946 | ₹217,946 |
| Year 3 | ₹288,000 | +₹60,061 | ₹348,061 |
| Year 4 | ₹384,000 | +₹110,679 | ₹494,679 |
| Year 5 | ₹480,000 | +₹179,891 | ₹659,891 |
| Year 6 | ₹576,000 | +₹270,056 | ₹846,056 |
| Year 7 | ₹672,000 | +₹383,832 | ₹1,055,832 |
| Year 8 | ₹768,000 | +₹524,213 | ₹1,292,213 |
| Year 9 | ₹864,000 | +₹694,572 | ₹1,558,572 |
| Year 10 | ₹960,000 | +₹898,713 | ₹1,858,713 |
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Frequently Asked Questions
How much will ₹8,000 invested monthly in SIP become after 10 years?
At a standard historical equity index return of 12% CAGR, a monthly SIP of ₹8,000 for 10 years generates a maturity corpus of approximately ₹1,858,713 against an invested principal of ₹960,000, earning a wealth gain of ₹898,713.
What is the tax on the returns of ₹8,000 SIP after 10 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 ₹96,714, leaving a net post-tax maturity value of ₹1,761,999.
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 ₹1,354,523. An equity SIP at 12% delivers ₹1,858,713, generating ₹504,190 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 10 years, the purchasing power of your ₹1,858,713 maturity corpus will be equivalent to approximately ₹1,037,895 in today's money.
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