SIP of ₹80,000 per Month for 6 Years
Complete compounding breakdown for a Systematic Investment Plan (SIP) of ₹80,000 monthly over a 6-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% | ₹5,760,000 | +₹1,299,728 | ₹7,059,728 |
| Public Provident Fund (PPF) | 7.1% | ₹5,760,000 | +₹1,437,716 | ₹7,197,716 |
| Conservative Hybrid Funds | 8.0% | ₹5,760,000 | +₹1,651,106 | ₹7,411,106 |
| Large Cap / Nifty 50 Index | 10.0% | ₹5,760,000 | +₹2,154,313 | ₹7,914,313 |
| Diversified Equity (Flexi Cap / Multicap) | 12.0% | ₹5,760,000 | +₹2,700,562 | ₹8,460,562 |
| Mid Cap / Small Cap Funds | 15.0% | ₹5,760,000 | +₹3,609,563 | ₹9,369,563 |
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 |
| Year 6 | ₹5,760,000 | +₹2,700,562 | ₹8,460,562 |
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Frequently Asked Questions
How much will ₹80,000 invested monthly in SIP become after 6 years?
At a standard historical equity index return of 12% CAGR, a monthly SIP of ₹80,000 for 6 years generates a maturity corpus of approximately ₹8,460,562 against an invested principal of ₹5,760,000, earning a wealth gain of ₹2,700,562.
What is the tax on the returns of ₹80,000 SIP after 6 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 ₹321,945, leaving a net post-tax maturity value of ₹8,138,617.
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 ₹7,059,728. An equity SIP at 12% delivers ₹8,460,562, generating ₹1,400,835 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 6 years, the purchasing power of your ₹8,460,562 maturity corpus will be equivalent to approximately ₹5,964,363 in today's money.
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