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Personal FinanceIndividual
Post-tax SIP / Lumpsum Returns
What you actually keep after LTCG tax and inflation — the real return on a SIP or lumpsum investment.
Your inputs
₹10,000
₹
Monthly for SIP, one-time for lumpsum
Result
- Total invested
- ₹18,00,000
- Pre-tax future value
- ₹49,95,802
- Estimated tax on gains
- ₹3,83,850
- Post-tax value
- ₹46,11,952
- Inflation-adjusted (today's ₹)
- ₹19,24,406
Reviewed by CA team
Estimates only — rules change frequently. Please verify with a CA before you file, invest, or sign anything.
Assumptions
- Equity LTCG assumes full gain qualifies after 12 months.
- Debt funds taxed at flat 30% (top slab) — adjust if you're in a lower bracket.
- SIP installments assumed to qualify as long-term at exit.
Where your money goes
How this is calculated
Reviewed by CA teamEquity LTCG: tax = max(0, gain − ₹1.25L) × 12.5% Debt (post Apr-2023): tax = gain × slab (assumed 30%) Real value = post-tax ÷ (1 + inflation)^years
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