Updated 2026-07-30

SIP ₹15,000/Month for 12 Years: Calculator Scenario

A ₹15,000/month SIP at 12% compounds to ₹48,33,783 in 12 years. After 6% inflation, that buys what ₹24,02,242 buys today. Adjust the rate, amount, and years in the calculator to test your own scenario.

Return Rate	Maturity	Wealth Gained	Real Value (6% inflation)	After-Tax Real Value
10%	₹41.81 L	₹20.21 L	₹20.78 L	₹19.55 L
12% (base)	₹48.34 L	₹26.74 L	₹24.02 L	₹22.38 L
15%	₹60.54 L	₹38.94 L	₹30.09 L	₹27.65 L

You invest ₹21,60,000; compounding adds ₹26,73,783

Over 12 years you contribute ₹21,60,000 from your pocket (₹15,000 × 144 months). At a 12% CAGR that becomes ₹48,33,783, so compounding adds ₹26,73,783 on top of what you put in. The longer you stay invested, the larger this gains-to-contribution ratio becomes; most of it lands in the later years.

₹48,33,783 in 12 years buys what ₹24,02,242 buys today

₹48,33,783 in 12 years is not ₹48,33,783 of today's purchasing power. After 6% average inflation, it buys what about ₹24,02,242 buys today. That is still real growth: your money grows faster than prices, but the honest figure is the inflation-adjusted one, not the headline number.

One-shot redemption: ₹3,31,342 LTCG on ₹26,73,783 of gains

Equity mutual fund units held over 12 months qualify for long-term capital gains tax: 12.5% on gains above the ₹1.25 lakh annual exemption. On ₹26,73,783 of gains, a one-shot redemption implies roughly ₹3,31,342 in LTCG tax, leaving about ₹45,02,441. Redeeming in tranches across financial years uses the ₹1.25 lakh exemption each year and can reduce that figure materially.

Each part of the portfolio needs a job

At this size the portfolio should carry separate jobs: retirement, a child's education, a dated goal. Review each target once a year and raise the contribution after a salary increase, once expenses and emergency savings are covered.

Step up, stay invested, cut costs, redeem in tranches

Step up the SIP: raising ₹15,000 by 10% a year as income grows beats the flat amount over 12 years.
Stay the full tenure: the biggest compounding happens in the later years; stopping early forfeits most of the gains.
Keep costs low: a direct-plan Nifty 50 index fund (0.1–0.2% expense ratio) preserves more of the 12% than a high-cost regular plan.
Redeem in tranches: spreading withdrawals across financial years uses the ₹1.25 lakh LTCG exemption repeatedly.

Frequently Asked Questions

How much will ₹15,000/month SIP give in 12 years?

At 12% CAGR (Nifty 50 long-term average), a ₹15,000/month SIP for 12 years grows to ₹48.34 L. You invest ₹21.60 L and gain ₹26.74 L. In conservative (10%) and optimistic (15%) scenarios it becomes ₹41.81 L and ₹60.54 L respectively.

What is the real (inflation-adjusted) value of ₹15,000 SIP after 12 years?

The ₹48.34 L maturity has the purchasing power of about ₹24.02 L in today's money, after 6% average inflation. Nominal numbers always look bigger than what they can actually buy.

How much tax do I pay on a ₹15,000 SIP maturing in 12 years?

Equity mutual fund gains held over 12 months are taxed as LTCG at 12.5% above the ₹1.25 lakh annual exemption (Income Tax Act 2025). On total gains of ₹26.74 L, the indicative LTCG tax is ₹3.31 L, leaving roughly ₹45.02 L post-tax. Actual tax depends on how you redeem (staggered exits use the exemption each year).

Is ₹15,000/month SIP enough?

It depends on your goal. ₹15,000/month for 12 years builds ₹48.34 L at 12%. Increasing the SIP by 10% each year (step-up) as your salary grows can substantially raise the final corpus versus a flat amount.

Try it yourself → SIP Calculator