SIP of ₹80,000 per Month for 4 Years
Complete compounding breakdown for a Systematic Investment Plan (SIP) of ₹80,000 monthly over a 4-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% | ₹3,840,000 | +₹555,676 | ₹4,395,676 |
| Public Provident Fund (PPF) | 7.1% | ₹3,840,000 | +₹611,944 | ₹4,451,944 |
| Conservative Hybrid Funds | 8.0% | ₹3,840,000 | +₹698,046 | ₹4,538,046 |
| Large Cap / Nifty 50 Index | 10.0% | ₹3,840,000 | +₹896,948 | ₹4,736,948 |
| Diversified Equity (Flexi Cap / Multicap) | 12.0% | ₹3,840,000 | +₹1,106,787 | ₹4,946,787 |
| Mid Cap / Small Cap Funds | 15.0% | ₹3,840,000 | +₹1,443,499 | ₹5,283,499 |
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 |
| Year 4 | ₹3,840,000 | +₹1,106,787 | ₹4,946,787 |
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 4 years?
At a standard historical equity index return of 12% CAGR, a monthly SIP of ₹80,000 for 4 years generates a maturity corpus of approximately ₹4,946,787 against an invested principal of ₹3,840,000, earning a wealth gain of ₹1,106,787.
What is the tax on the returns of ₹80,000 SIP after 4 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 ₹122,723, leaving a net post-tax maturity value of ₹4,824,063.
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 ₹4,395,676. An equity SIP at 12% delivers ₹4,946,787, generating ₹551,111 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 4 years, the purchasing power of your ₹4,946,787 maturity corpus will be equivalent to approximately ₹3,918,318 in today's money.
Explore other durations: View All SIP Scenarios · All Financial Calculators · Mutual Funds Directory