SIP of ₹9,000 per Month for 12 Years
Complete compounding breakdown for a Systematic Investment Plan (SIP) of ₹9,000 monthly over a 12-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% | ₹1,296,000 | +₹670,032 | ₹1,966,032 |
| Public Provident Fund (PPF) | 7.1% | ₹1,296,000 | +₹752,002 | ₹2,048,002 |
| Conservative Hybrid Funds | 8.0% | ₹1,296,000 | +₹883,006 | ₹2,179,006 |
| Large Cap / Nifty 50 Index | 10.0% | ₹1,296,000 | +₹1,212,674 | ₹2,508,674 |
| Diversified Equity (Flexi Cap / Multicap) | 12.0% | ₹1,296,000 | +₹1,604,270 | ₹2,900,270 |
| Mid Cap / Small Cap Funds | 15.0% | ₹1,296,000 | +₹2,336,261 | ₹3,632,261 |
Year-by-Year Wealth Accumulation Schedule (@ 12% CAGR)
| Timeline | Invested Principal | Growth / Gains | Total Corpus Value |
|---|---|---|---|
| Year 1 | ₹108,000 | +₹7,284 | ₹115,284 |
| Year 2 | ₹216,000 | +₹29,189 | ₹245,189 |
| Year 3 | ₹324,000 | +₹67,569 | ₹391,569 |
| Year 4 | ₹432,000 | +₹124,514 | ₹556,514 |
| Year 5 | ₹540,000 | +₹202,377 | ₹742,377 |
| Year 6 | ₹648,000 | +₹303,813 | ₹951,813 |
| Year 7 | ₹756,000 | +₹431,811 | ₹1,187,811 |
| Year 8 | ₹864,000 | +₹589,739 | ₹1,453,739 |
| Year 9 | ₹972,000 | +₹781,394 | ₹1,753,394 |
| Year 10 | ₹1,080,000 | +₹1,011,052 | ₹2,091,052 |
| Year 11 | ₹1,188,000 | +₹1,283,533 | ₹2,471,533 |
| Year 12 | ₹1,296,000 | +₹1,604,270 | ₹2,900,270 |
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Frequently Asked Questions
How much will ₹9,000 invested monthly in SIP become after 12 years?
At a standard historical equity index return of 12% CAGR, a monthly SIP of ₹9,000 for 12 years generates a maturity corpus of approximately ₹2,900,270 against an invested principal of ₹1,296,000, earning a wealth gain of ₹1,604,270.
What is the tax on the returns of ₹9,000 SIP after 12 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 ₹184,909, leaving a net post-tax maturity value of ₹2,715,361.
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 ₹1,966,032. An equity SIP at 12% delivers ₹2,900,270, generating ₹934,237 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 12 years, the purchasing power of your ₹2,900,270 maturity corpus will be equivalent to approximately ₹1,441,345 in today's money.
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