SIP of ₹80,000 per Month for 5 Years
Complete compounding breakdown for a Systematic Investment Plan (SIP) of ₹80,000 monthly over a 5-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% | ₹4,800,000 | +₹884,543 | ₹5,684,543 |
| Public Provident Fund (PPF) | 7.1% | ₹4,800,000 | +₹976,256 | ₹5,776,256 |
| Conservative Hybrid Funds | 8.0% | ₹4,800,000 | +₹1,117,336 | ₹5,917,336 |
| Large Cap / Nifty 50 Index | 10.0% | ₹4,800,000 | +₹1,446,590 | ₹6,246,590 |
| Diversified Equity (Flexi Cap / Multicap) | 12.0% | ₹4,800,000 | +₹1,798,909 | ₹6,598,909 |
| Mid Cap / Small Cap Funds | 15.0% | ₹4,800,000 | +₹2,374,535 | ₹7,174,535 |
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 |
| Year 5 | ₹4,800,000 | +₹1,798,909 | ₹6,598,909 |
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 5 years?
At a standard historical equity index return of 12% CAGR, a monthly SIP of ₹80,000 for 5 years generates a maturity corpus of approximately ₹6,598,909 against an invested principal of ₹4,800,000, earning a wealth gain of ₹1,798,909.
What is the tax on the returns of ₹80,000 SIP after 5 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 ₹209,239, leaving a net post-tax maturity value of ₹6,389,671.
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 ₹5,684,543. An equity SIP at 12% delivers ₹6,598,909, generating ₹914,367 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 5 years, the purchasing power of your ₹6,598,909 maturity corpus will be equivalent to approximately ₹4,931,089 in today's money.
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