SIP Me 5000 Mahina Lagayein To 10 Saal Me Kitna Milega?
Pehle seedha number
Sabse aam sawaal yahi hai. Aadmi calculator kholta hai, ₹5,000 daalta hai, 10 saal daalta hai, aur ek number dekh kar khush ya udaas ho jaata hai. Par asli baat number me nahi, return ke anuman me hai. Ek hi SIP alag-alag return par bilkul alag ban jaati hai:
| Saalana return | Aapka jama | 10 saal baad | Munafa |
|---|---|---|---|
| 8% (conservative) | ₹6,00,000 | ₹9,20,000 | ₹3,20,000 |
| 10% | ₹6,00,000 | ₹10,32,000 | ₹4,32,000 |
| 12% (aam anuman) | ₹6,00,000 | ₹11,61,000 | ₹5,61,000 |
| 15% (aashawadi) | ₹6,00,000 | ₹13,93,000 | ₹7,93,000 |
Dhyaan se dekhiye — 8% aur 15% ke beech ka farak ₹4.7 lakh ka hai. Yaani aapka number utna hi bharosemand hai jitna aapka return ka anuman. Aur return ki garanti kisi ke paas nahi hai, chahe wo koi bhi ho.
Apne hisaab ke liye SIP Calculator me apni rakam aur saal daal kar dekh lein.
Ye number banta kaise hai
SIP ka formula ye hai:
Yahan P = har mahine ki rakam, i = mahine ka return (saalana ÷ 12 ÷ 100), aur n = kul mahine.
Seedhe shabdon me: har mahine daali gayi rakam apne baad ke saare mahinon tak badhti rehti hai. Pehle mahine wale ₹5,000 poore 120 mahine badhte hain. Aakhri mahine wale ₹5,000 ko badhne ka mauka hi nahi milta. Isiliye shuruaat ke saal sabse zyada kaam karte hain — aur isiliye der karna itna mehnga padta hai.
Der karne ka asli nuksan
Ye hissa zyadatar log miss kar dete hain. Maan lijiye aap 12% return maan kar chal rahe hain:
| Kab shuru kiya | Kitne saal chali | Jama | Ban gaya |
|---|---|---|---|
| Abhi | 10 saal | ₹6,00,000 | ₹11,61,000 |
| 2 saal baad | 8 saal | ₹4,80,000 | ₹8,19,000 |
| 5 saal baad | 5 saal | ₹3,00,000 | ₹4,12,000 |
Sirf 2 saal ki der se ₹3.4 lakh ka farak. Aur aapne jama bhi ₹1.2 lakh kam kiya, yaani asli nuksan ₹2.2 lakh ka hua — bina kuch kiye. Ye compounding ka doosra pehlu hai jo koi nahi batata.
Iska poora ganit Compound Interest guide me samjhaya hai.
Tax kitna lagega — ye number bhi jod lijiye
₹11.61 lakh poora aapka nahi hai. Equity mutual fund bechne par Long Term Capital Gain lagta hai. Aam niyam ye hai ki ek saal se zyada rakhe gaye equity fund ke munafe par ek limit ke baad tay dar se tax lagta hai. Debt fund me niyam alag hai — wahan munafa aapke slab ke hisaab se juda jaata hai.
SIP me ek aur pech hai: har mahine ki kist ko alag kharid maana jaata hai. Yaani jo kist aapne aakhri saal me daali, wo bechte waqt "short term" ho sakti hai chahe SIP 10 saal purani ho. Isliye bechte waqt sab ek saath nahi, thoda soch kar nikaalna behtar rehta hai.
Number badalte rehte hain. LTCG ki limit aur dar har budget me badal sakti hai. Bechne se pehle incometax.gov.in par current niyam ek baar dekh lein, ya apne CA se poochh lein. Hum CA nahi hain.
Teen galtiyan jo sabse aam hain
1. Market girte hi SIP band kar dena. Ye sabse mehngi galti hai. SIP ka poora fayda hi isme hai ki jab daam girta hai to usi ₹5,000 me zyada units aa jaati hain. Jo log 2020 me SIP band kar ke bhaage, unhone theek wahi mahine chhod diye jinme sabse sasta maal mil raha tha.
2. Har saal fund badalna. Pichle saal ka top performer agle saal top nahi rehta. Baar-baar badalne me exit load, tax aur sabse badi cheez — compounding ka silsila toot jaata hai. Saal me ek baar review kaafi hai.
3. Emergency fund banaye bina SIP shuru karna. Ye sabse chupi hui galti hai. Naukri gayi ya hospital ka kharcha aaya, aur aapko SIP tod kar paisa nikaalna pada — wo bhi shayad tab jab market neeche ho. Isliye pehle 6 mahine ka kharcha alag rakhein. Kaise, wo Emergency Fund guide me hai.
₹5,000 se zyada nahi de sakte to?
Bilkul theek hai. ₹500 se bhi SIP shuru hoti hai. Par ek cheez zaroor kijiye — har saal rakam thodi badha dijiye. Salary 8-10% badhti hai, to SIP bhi 10% badhaiye. Ise step-up SIP kehte hain, aur farak chaunkane wala hota hai:
| Tarika | 10 saal me jama | 10 saal baad (12%) |
|---|---|---|
| ₹5,000 fix | ₹6,00,000 | ₹11,61,000 |
| ₹5,000, har saal 10% badha | ₹9,56,000 | ₹17,50,000 |
Apna hisaab Step-Up SIP Calculator me laga kar dekhiye.
SIP theek hai ya FD?
Ye "ya" ka sawaal nahi hai, "kitna-kitna" ka sawaal hai. FD ka return pehle se tay hota hai aur paisa surakshit rehta hai (₹5 lakh tak DICGC ka bima bhi). SIP me return tay nahi, par lambe samay me aam taur par zyada rehta hai.
Aam samajhdaari ye hai: jo paisa 3 saal ke andar chahiye — FD ya RD me. Jo 7-10 saal tak nahi chahiye — usme equity SIP theek baithti hai. Beech ka paisa dono me baant dijiye. Detail me tulna Mutual Fund vs FD me hai, aur FD ka apna hisaab FD Calculator me.
Aksar pooche jaane wale sawaal
₹5,000 SIP se 1 crore banane me kitne saal lagenge?
12% return par lagbhag 26 saal. 15% par lagbhag 22 saal. Agar har saal 10% step-up karte jaayein to ye lagbhag 19-20 saal me ho sakta hai.
Kya SIP me paisa doob sakta hai?
Fund poora zero ho jaaye, aisa mutual fund me lagbhag nahi hota kyunki paisa kai companies me baanta jaata hai. Par value 30-40% tak gir sakti hai aur kai saal neeche reh sakti hai. Isliye short term ka paisa isme nahi lagate.
SIP beech me rok sakte hain?
Haan, zyadatar funds me kabhi bhi. ELSS (tax saving) fund me har kist par 3 saal ka lock-in hota hai, wo pehle nahi nikal sakti.
12% return kahan se aaya?
Ye equity mutual funds ke lambe samay ke ausat par based ek aam anuman hai, koi vaada nahi. Kisi bhi saal return isse bahut zyada ya bahut kam ho sakta hai.
Kya SIP par tax bachta hai?
Sirf ELSS fund me. Usme Section 80C ka fayda milta hai, par wo purane tax regime me hi kaam ka hai. New regime chun rakha hai to ye fayda nahi milta — regime ki tulna dekh lein.
Niyam aur rate badalte rehte hain. Bade faisle se pehle seedha yahan dekh lein: