Scenario
₹10,000 SIP for 15 years — nominal vs inflation-adjusted
Side-by-side nominal maturity and an illustrative inflation-adjusted (real) corpus so purchasing power is clearer.
Illustrative result
Assumptions: ₹10,000/month · 12.00% p.a. · 15 years · inflation 6.00%. Not a guarantee.
Total invested (flat)
₹18,00,000
Est. maturity (flat)
₹49,95,802
Wealth gained (flat)
₹31,95,802
Nominal maturity
₹49,95,802
Inflation-adjusted (~6.00%)
₹20,84,574
Sensitivity check
Same scenario with alternate assumptions—use this to avoid anchoring on a single optimistic number.
| Assumption | Result |
|---|---|
| 8.00% p.a. | ₹34,60,382 |
| 10.00% p.a. | ₹41,44,703 |
| 12.00% p.a. | ₹49,95,802 |
How to read this
Nominal maturity can look large while real purchasing power is lower. For goals priced in today’s rupees (fees, down payments), the inflation-adjusted view is often the more honest planning number.
Change the inflation assumption in the live SIP calculator’s Advanced mode—education costs may inflate faster than general CPI.
- Confirm the assumptions match your cash flow and time horizon.
- Stress-test a more conservative rate, tenure or FOIR in the table above.
- Open the live calculator and save or share your customised case.
FAQ
- Are these maturity numbers guaranteed?
- No. They assume a constant annual return you choose. Real market-linked returns vary year to year.
- What should I change first?
- Start with a SIP you can sustain, then stress-test return and tenure. Prefer consistency over optimistic rate assumptions.
Related guides
Related scenarios
Scenario path /sip/10000-sip-15-years-with-inflation · Aaru Wealth. Educational estimates only—not financial, tax or lending advice.