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SIP Case Studies

Real-world scenarios showing SIP outcomes across different life stages, amounts, and strategies.

Fresh Graduate Starting Small

Ravi, 22, Software Developer
Salary: ₹30,000/month
SIP: ₹3,000/month
Duration: 30 years
Strategy
Flexi Cap Fund SIP with 15% annual step-up

Starting early with even a small amount, combined with step-up, creates extraordinary wealth. Ravi invested less than ₹55 Lakhs but created ₹4.2 Crore.

Total Invested
₹54.5L
→
Final Value
₹4.2 Cr
7.7x growth

Salaried Professional - Retirement Planning

Neha, 30, IT Manager
Salary: ₹1,50,000/month
SIP: ₹25,000/month
Duration: 25 years (retire at 55)
Strategy
Diversified portfolio: Large Cap 40%, Flexi Cap 30%, Mid Cap 20%, ELSS 10%

Systematic diversification across fund categories reduces risk while maintaining strong returns. Neha's ELSS SIP also saved her ₹1.5L/year in taxes.

Total Invested
₹75L
→
Final Value
₹4.74 Cr
6.3x growth

Business Owner with Variable Income

Vijay, 35, Textile Trader
Salary: ₹2-10L/month (variable)
SIP: ₹30,000/month base + lump sum in good months
Duration: 20 years
Strategy
Balanced Advantage Fund for base SIP + equity for lump sum top-ups

Base SIP provides consistency, while opportunistic lump sum investments during high-income months accelerate wealth creation.

Total Invested
₹1.2 Cr
→
Final Value
₹4.8 Cr
4x growth

Parent Planning for Child Education

Priyanka, 28, with 2-year-old daughter
Salary: ₹90,000/month
SIP: ₹15,000/month with 12% step-up
Duration: 16 years (child age 18)
Strategy
Equity SIP for first 13 years, gradual shift to debt in last 3 years

Starting education SIP at child birth and using step-up covers even inflated education costs. Shifting to debt near goal protects the corpus.

Total Invested
₹72.8L
→
Final Value
₹1.86 Cr
2.6x growth

FIRE Aspirant - Early Retirement

Kiran, 28, saves 60% of income
Salary: ₹1,50,000/month
SIP: ₹90,000/month
Duration: 15 years (retire at 43)
Strategy
Aggressive equity: Small Cap 30%, Mid Cap 30%, Flexi Cap 25%, International 15%

FIRE is achievable with extreme savings discipline and aggressive equity allocation. The 60% savings rate is the key enabler.

Total Invested
₹1.62 Cr
→
Final Value
₹5.25 Cr
3.2x growth

Pre-Retiree - Capital Preservation

Lakshmi, 55, retiring in 5 years
Salary: ₹2,00,000/month
SIP: ₹60,000/month in hybrid + debt funds
Duration: 5 years
Strategy
60% Balanced Advantage Fund, 40% Short Duration Debt Fund

Near retirement, capital preservation is more important than growth. Hybrid + debt allocation provides stable growth without equity volatility risk.

Total Invested
₹36L
→
Final Value
₹44.5L
1.24x growth

Disclaimer: These case studies use illustrative data based on historical market performance. Actual results will vary. Returns are assumed at 12-13% CAGR for equity, 7-8% for debt, and 10% for hybrid funds. These are for educational purposes only.