SIP of ₹9,000 per Month for 7 Years
Complete compounding breakdown for a Systematic Investment Plan (SIP) of ₹9,000 monthly over a 7-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% | ₹756,000 | +₹203,289 | ₹959,289 |
| Public Provident Fund (PPF) | 7.1% | ₹756,000 | +₹225,388 | ₹981,388 |
| Conservative Hybrid Funds | 8.0% | ₹756,000 | +₹259,747 | ₹1,015,747 |
| Large Cap / Nifty 50 Index | 10.0% | ₹756,000 | +₹341,625 | ₹1,097,625 |
| Diversified Equity (Flexi Cap / Multicap) | 12.0% | ₹756,000 | +₹431,811 | ₹1,187,811 |
| Mid Cap / Small Cap Funds | 15.0% | ₹756,000 | +₹584,713 | ₹1,340,713 |
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 |
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Frequently Asked Questions
How much will ₹9,000 invested monthly in SIP become after 7 years?
At a standard historical equity index return of 12% CAGR, a monthly SIP of ₹9,000 for 7 years generates a maturity corpus of approximately ₹1,187,811 against an invested principal of ₹756,000, earning a wealth gain of ₹431,811.
What is the tax on the returns of ₹9,000 SIP after 7 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 ₹38,351, leaving a net post-tax maturity value of ₹1,149,460.
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 ₹959,289. An equity SIP at 12% delivers ₹1,187,811, generating ₹228,522 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 7 years, the purchasing power of your ₹1,187,811 maturity corpus will be equivalent to approximately ₹789,962 in today's money.
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