SIP · post-tax maturity
₹ 4,52,28,346
₹50,000 / month · 20 years · 12% return
The tax bite
₹4,99,57,396
what the SIP chart shows · pre-tax corpus
₹4,52,28,346
after LTCG · ₹47.3 L removed (12.5% on gain above ₹1.25 L exemption)
The journey
Explained
This is what a monthly SIP of ₹50,000 compounds to over 20 years at 12%, then paying long-term capital gains once at redemption. Two things kill the illusion of the headline number — inflation and tax. Both are shown above.
The trap of headline yield →