SIP of ₹80,000 per Month for 2 Years
Complete compounding breakdown for a Systematic Investment Plan (SIP) of ₹80,000 monthly over a 2-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% | ₹1,920,000 | +₹135,563 | ₹2,055,563 |
| Public Provident Fund (PPF) | 7.1% | ₹1,920,000 | +₹148,656 | ₹2,068,656 |
| Conservative Hybrid Funds | 8.0% | ₹1,920,000 | +₹168,486 | ₹2,088,486 |
| Large Cap / Nifty 50 Index | 10.0% | ₹1,920,000 | +₹213,385 | ₹2,133,385 |
| Diversified Equity (Flexi Cap / Multicap) | 12.0% | ₹1,920,000 | +₹259,456 | ₹2,179,456 |
| Mid Cap / Small Cap Funds | 15.0% | ₹1,920,000 | +₹330,835 | ₹2,250,835 |
Year-by-Year Wealth Accumulation Schedule (@ 12% CAGR)
| Timeline | Invested Principal | Growth / Gains | Total Corpus Value |
|---|---|---|---|
| Year 1 | ₹960,000 | +₹64,746 | ₹1,024,746 |
| Year 2 | ₹1,920,000 | +₹259,456 | ₹2,179,456 |
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 ₹80,000 invested monthly in SIP become after 2 years?
At a standard historical equity index return of 12% CAGR, a monthly SIP of ₹80,000 for 2 years generates a maturity corpus of approximately ₹2,179,456 against an invested principal of ₹1,920,000, earning a wealth gain of ₹259,456.
What is the tax on the returns of ₹80,000 SIP after 2 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 ₹16,807, leaving a net post-tax maturity value of ₹2,162,649.
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 ₹2,055,563. An equity SIP at 12% delivers ₹2,179,456, generating ₹123,893 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 2 years, the purchasing power of your ₹2,179,456 maturity corpus will be equivalent to approximately ₹1,939,708 in today's money.
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