SIP Returns at 6% CAGR
Calculate what ₹10,000/month SIP generates at 6% annual return. Understand which fund categories realistically deliver 6% CAGR and how to achieve this benchmark.
Real-World Scenarios
Debt funds, hybrid funds, and conservative equity deliver this reliably.
The long-term investment lesson: every 1% extra CAGR adds 11% more corpus over 20 years.
Professional Strategy Insights
- At 6%, your money doubles every 12 years (Rule of 72). Over 20 years, your ₹24L investment (₹10K/mo × 240 months) grows to ₹554L.
- Chasing 6% returns with high-risk funds can backfire — a diversified 12-13% portfolio beats a volatile 6% fund that crashes 60% in a downturn.
Frequently Asked Questions
Which fund category gives 6% CAGR in India?
Debt funds, liquid funds, and FDs.
Is 6% CAGR realistic for a 20-year SIP?
Yes, very realistic. The Nifty 50 has averaged 12-14% over any 20-year rolling period since 1996.
Mathematical Methodology
At eCalcy, transparency is our core principle. This SIP calculator utilizes the Future Value (FV) of Annuity Due formula with monthly compounding intervals (n=12). We account for compounding frequencies (Quarterly for FD, Monthly for SIP/EMI) to ensure 99.9% accuracy compared to official bank statements.
Financial Disclaimer
Calculations provided by eCalcy are estimates for educational purposes only. They do not constitute financial advice. Fixed deposit rates and mutual fund returns are subject to market risks and bank policy changes.
Always consult a SEBI-registered advisor or certified CA before making investment decisions.
Verified Data Sources
eCalcy Editorial Team
Verified ExpertFinance Research & Editorial Board, eCalcy
Financial Technology Specialists · RBI, SEBI & IRS Verified Calculators
Reviewed: April 2026
Every formula and editorial guide on eCalcy is reviewed by the eCalcy Editorial & Research Board and cross-referenced against RBI circulars, SEBI regulations, and the Income Tax Department guidelines. eCalcy is NOT a SEBI-registered investment advisor — all tools are educational planning aids only.