SIP of ₹90,000 per Month for 5 Years
Complete compounding breakdown for a Systematic Investment Plan (SIP) of ₹90,000 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% | ₹5,400,000 | +₹995,111 | ₹6,395,111 |
| Public Provident Fund (PPF) | 7.1% | ₹5,400,000 | +₹1,098,288 | ₹6,498,288 |
| Conservative Hybrid Funds | 8.0% | ₹5,400,000 | +₹1,257,003 | ₹6,657,003 |
| Large Cap / Nifty 50 Index | 10.0% | ₹5,400,000 | +₹1,627,414 | ₹7,027,414 |
| Diversified Equity (Flexi Cap / Multicap) | 12.0% | ₹5,400,000 | +₹2,023,773 | ₹7,423,773 |
| Mid Cap / Small Cap Funds | 15.0% | ₹5,400,000 | +₹2,671,352 | ₹8,071,352 |
Year-by-Year Wealth Accumulation Schedule (@ 12% CAGR)
| Timeline | Invested Principal | Growth / Gains | Total Corpus Value |
|---|---|---|---|
| Year 1 | ₹1,080,000 | +₹72,840 | ₹1,152,840 |
| Year 2 | ₹2,160,000 | +₹291,888 | ₹2,451,888 |
| Year 3 | ₹3,240,000 | +₹675,688 | ₹3,915,688 |
| Year 4 | ₹4,320,000 | +₹1,245,135 | ₹5,565,135 |
| Year 5 | ₹5,400,000 | +₹2,023,773 | ₹7,423,773 |
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 ₹90,000 invested monthly in SIP become after 5 years?
At a standard historical equity index return of 12% CAGR, a monthly SIP of ₹90,000 for 5 years generates a maturity corpus of approximately ₹7,423,773 against an invested principal of ₹5,400,000, earning a wealth gain of ₹2,023,773.
What is the tax on the returns of ₹90,000 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 ₹237,347, leaving a net post-tax maturity value of ₹7,186,426.
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 ₹6,395,111. An equity SIP at 12% delivers ₹7,423,773, generating ₹1,028,662 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 ₹7,423,773 maturity corpus will be equivalent to approximately ₹5,547,475 in today's money.
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