SIP of ₹9,000 per Month for 9 Years
Complete compounding breakdown for a Systematic Investment Plan (SIP) of ₹9,000 monthly over a 9-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% | ₹972,000 | +₹351,333 | ₹1,323,333 |
| Public Provident Fund (PPF) | 7.1% | ₹972,000 | +₹391,376 | ₹1,363,376 |
| Conservative Hybrid Funds | 8.0% | ₹972,000 | +₹454,312 | ₹1,426,312 |
| Large Cap / Nifty 50 Index | 10.0% | ₹972,000 | +₹607,537 | ₹1,579,537 |
| Diversified Equity (Flexi Cap / Multicap) | 12.0% | ₹972,000 | +₹781,394 | ₹1,753,394 |
| Mid Cap / Small Cap Funds | 15.0% | ₹972,000 | +₹1,087,630 | ₹2,059,630 |
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 |
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 ₹9,000 invested monthly in SIP become after 9 years?
At a standard historical equity index return of 12% CAGR, a monthly SIP of ₹9,000 for 9 years generates a maturity corpus of approximately ₹1,753,394 against an invested principal of ₹972,000, earning a wealth gain of ₹781,394.
What is the tax on the returns of ₹9,000 SIP after 9 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 ₹82,049, leaving a net post-tax maturity value of ₹1,671,344.
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 ₹1,323,333. An equity SIP at 12% delivers ₹1,753,394, generating ₹430,061 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 9 years, the purchasing power of your ₹1,753,394 maturity corpus will be equivalent to approximately ₹1,037,831 in today's money.
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