SIP Compounding, Tax & Real Return Calculator
Calculate monthly Systematic Investment Plan (SIP) maturity value, inflation-adjusted purchasing power, post-LTCG tax net corpus, and yearly growth schedule. Benchmarked against India’s published RBI Repo Rate (5.5%) and MoSPI Headline CPI Inflation (5.54%).
Sample ₹15,000/Month SIP Illustration (15 Years @ 12% p.a.)
Formula: FV = P × [((1+i)^n − 1) / i] × (1+i). Real values discounted by MoSPI CPI Inflation (5.54%). Post-LTCG Net Corpus: ₹69,51,967.
| Year | Total Invested | Nominal Corpus | Real CPI Value (5.54%) |
|---|---|---|---|
| Year 5 | ₹9,00,000 | ₹12,37,295 | ₹9,44,905 |
| Year 10 | ₹18,00,000 | ₹34,85,086 | ₹20,32,556 |
| Year 15 | ₹27,00,000 | ₹75,68,640 | ₹33,71,021 |
Frequently Asked Questions
How is monthly SIP maturity calculated?
Each monthly SIP installment compounds at the monthly periodic rate i = R / 12 / 100 using FV = P × [((1 + i)^n − 1) / i] × (1 + i), assuming beginning-of-month investment.
What does CPI inflation-adjusted SIP value represent?
Discounting nominal SIP maturity by India's CPI inflation (5.54%) reveals what your future corpus is worth in today's rupees so long-term budgets stay realistic.
How are equity SIP gains taxed upon redemption in India?
Under Finance Act 2024, long-term capital gains (units held over 12 months) on equity mutual funds above ₹1.25 lakh per financial year are taxed at 12.5% plus 4% cess.