SIP of ₹8,000 per Month for 18 Years
Complete compounding breakdown for a Systematic Investment Plan (SIP) of ₹8,000 monthly over a 18-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% | ₹1,728,000 | +₹1,556,406 | ₹3,284,406 |
| Public Provident Fund (PPF) | 7.1% | ₹1,728,000 | +₹1,775,598 | ₹3,503,598 |
| Conservative Hybrid Funds | 8.0% | ₹1,728,000 | +₹2,138,294 | ₹3,866,294 |
| Large Cap / Nifty 50 Index | 10.0% | ₹1,728,000 | +₹3,116,543 | ₹4,844,543 |
| Diversified Equity (Flexi Cap / Multicap) | 12.0% | ₹1,728,000 | +₹4,395,514 | ₹6,123,514 |
| Mid Cap / Small Cap Funds | 15.0% | ₹1,728,000 | +₹7,106,042 | ₹8,834,042 |
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 |
| Year 11 | ₹1,056,000 | +₹1,140,919 | ₹2,196,919 |
| Year 12 | ₹1,152,000 | +₹1,426,017 | ₹2,578,017 |
| Year 13 | ₹1,248,000 | +₹1,759,449 | ₹3,007,449 |
| Year 14 | ₹1,344,000 | +₹2,147,344 | ₹3,491,344 |
| Year 15 | ₹1,440,000 | +₹2,596,608 | ₹4,036,608 |
| Year 16 | ₹1,536,000 | +₹3,115,026 | ₹4,651,026 |
| Year 17 | ₹1,632,000 | +₹3,711,367 | ₹5,343,367 |
| Year 18 | ₹1,728,000 | +₹4,395,514 | ₹6,123,514 |
Invest in 0% Commission Direct Mutual Funds
Start a monthly SIP on Zerodha Coin or Groww with zero distributor commissions.
Frequently Asked Questions
How much will ₹8,000 invested monthly in SIP become after 18 years?
At a standard historical equity index return of 12% CAGR, a monthly SIP of ₹8,000 for 18 years generates a maturity corpus of approximately ₹6,123,514 against an invested principal of ₹1,728,000, earning a wealth gain of ₹4,395,514.
What is the tax on the returns of ₹8,000 SIP after 18 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 ₹533,814, leaving a net post-tax maturity value of ₹5,589,700.
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 ₹3,284,406. An equity SIP at 12% delivers ₹6,123,514, generating ₹2,839,108 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 18 years, the purchasing power of your ₹6,123,514 maturity corpus will be equivalent to approximately ₹2,145,335 in today's money.
Explore other durations: View All SIP Scenarios · All Financial Calculators · Mutual Funds Directory