Evaluate expected returns, capital appreciation, and compounding growth for your SBI mutual fund portfolio.
Analyze compounding returns and portfolio gains over chosen tenures
Note: Mutual fund investments are subject to market risks. Return rates entered here are for illustrative simulation only.
Investing ₹7,500/month for 12 years will grow into ₹26.03L. Your gains are ₹15,22,630.
₹10,80,000
₹15,22,630
₹26,02,630
Year-by-year accumulation showing total principal invested and returns generated.
| Year | Invested Amount | Estimated Returns | Total Value |
|---|---|---|---|
| Year 1 | ₹90,000 | +₹6,596 | ₹96,596 |
| Year 2 | ₹1,80,000 | +₹26,526 | ₹2,06,526 |
| Year 3 | ₹2,70,000 | +₹61,629 | ₹3,31,629 |
| Year 4 | ₹3,60,000 | +₹1,14,001 | ₹4,74,001 |
| Year 5 | ₹4,50,000 | +₹1,86,025 | ₹6,36,025 |
| Year 6 | ₹5,40,000 | +₹2,80,413 | ₹8,20,413 |
| Year 7 | ₹6,30,000 | +₹4,00,253 | ₹10,30,253 |
| Year 8 | ₹7,20,000 | +₹5,49,057 | ₹12,69,057 |
| Year 9 | ₹8,10,000 | +₹7,30,825 | ₹15,40,825 |
| Year 10 | ₹9,00,000 | +₹9,50,105 | ₹18,50,105 |
| Year 11 | ₹9,90,000 | +₹12,12,076 | ₹22,02,076 |
| Year 12 | ₹10,80,000 | +₹15,22,630 | ₹26,02,630 |
When investing via SIP, every monthly installment remains invested for a slightly different timeframe. Your first installment compounds for the full tenure (e.g. 120 months in a 10-year plan), whereas your final installment only compounds for one month.
This explains why SIP returns in early years look modest, but compound into massive sums later as the cumulative corpus of past deposits earns substantial daily returns.
Absolute return measures total capital growth without factoring in time. CAGR (Compound Annual Growth Rate) and XIRR (Extended Internal Rate of Return) calculate the actual annualized return on cash flows deployed at different monthly intervals. For SIPs, XIRR is the most precise metric.