📅 Last updated: October 2026
SIP se kitna bada fund banega?
Retirement par corpus banega
₹7,05,98,275
approx.
SIP future value + inflation adjustment. Market returns guaranteed nahi hain.
⚠️ Ye sirf estimate hai, financial advice nahi hai. Disclaimer padhein.
Corpus = P × ((1+r)n − 1)/r × (1+r)
Asli value = Corpus / (1 + inflation)saal
P = monthly SIP, r = monthly return, n = kul mahine.
Example: 30 se 60 tak, ₹20,000/month SIP @12% → corpus ≈ ₹7,05,98,275! Investment sirf ₹72,00,000, gains ≈ ₹6,33,98,275. Lekin 6% mehngai ke baad asli value ≈ ₹1,22,91,875 — isliye hamesha inflation-adjusted target rakhein.
Rule of thumb: saalana kharche ka 25–30 guna (4% rule). Agar retirement me ₹50,000/month chahiye (₹6 lakh/saal) to ~₹1.5–1.8 crore ka corpus target rakhein — inflation-adjusted.
Equity mutual funds ne long-term me ~10–12% diya hai, lekin guaranteed nahi. Conservative planning ke liye 10% return assumption behtar hai.
₹20,000/month @12%, 40 se 60 tak (20 saal) → ~₹2 crore. 30 se shuru karne par ~₹7 crore banta — 10 saal ki deri ~₹5 crore ka nuksaan! Jitni jaldi, utna behtar.
EPF/NPS aapka safe, fixed-return wala hissa hai; SIP growth wala hissa. Dono ko jodkar total retirement corpus dekhein — NPS calculator se NPS ka hissa alag nikaal sakte hain.
Nahi — market-linked estimate hai. Returns kam/zyada ho sakte hain; isliye thoda conservative assumption rakhna samajhdari hai.