SIP of ₹80,000 per Month for 3 Years
Complete compounding breakdown for a Systematic Investment Plan (SIP) of ₹80,000 monthly over a 3-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% | ₹2,880,000 | +₹307,709 | ₹3,187,709 |
| Public Provident Fund (PPF) | 7.1% | ₹2,880,000 | +₹338,139 | ₹3,218,139 |
| Conservative Hybrid Funds | 8.0% | ₹2,880,000 | +₹384,464 | ₹3,264,464 |
| Large Cap / Nifty 50 Index | 10.0% | ₹2,880,000 | +₹490,400 | ₹3,370,400 |
| Diversified Equity (Flexi Cap / Multicap) | 12.0% | ₹2,880,000 | +₹600,612 | ₹3,480,612 |
| Mid Cap / Small Cap Funds | 15.0% | ₹2,880,000 | +₹774,356 | ₹3,654,356 |
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 |
| Year 3 | ₹2,880,000 | +₹600,612 | ₹3,480,612 |
Invest in 0% Commission Direct Mutual Funds
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Frequently Asked Questions
How much will ₹80,000 invested monthly in SIP become after 3 years?
At a standard historical equity index return of 12% CAGR, a monthly SIP of ₹80,000 for 3 years generates a maturity corpus of approximately ₹3,480,612 against an invested principal of ₹2,880,000, earning a wealth gain of ₹600,612.
What is the tax on the returns of ₹80,000 SIP after 3 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 ₹59,451, leaving a net post-tax maturity value of ₹3,421,160.
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 ₹3,187,709. An equity SIP at 12% delivers ₹3,480,612, generating ₹292,903 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 3 years, the purchasing power of your ₹3,480,612 maturity corpus will be equivalent to approximately ₹2,922,389 in today's money.
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