The number
on the poster
is not the number.

What this assumes, and what it cannot know

• Returns are not a promise. 12% is a common assumption for Indian equity over long periods, not a forecast. Real returns arrive unevenly — a decade can deliver far less, and the order in which good and bad years fall changes the outcome. Nothing here is guaranteed.
• Instalments are taken at the start of each month, which is how an SIP mandate runs, so each one earns that month's growth.
• Tax is an estimate. Equity LTCG at 12.5% on gains above ₹1.25 lakh in a financial year, as the rules stand in October 2026, assuming you redeem once at the end. Withdrawing across several years uses the exemption more than once and costs less. Tax rules change — confirm before relying on this.
• Costs are excluded. Expense ratio, exit load and stamp duty are not modelled. A 1% expense ratio over 20 years is a large number; your fund's factsheet states it.
• This is education, not advice. Moneyed is not a SEBI-registered investment adviser and does not recommend any fund, scheme or asset. It shows arithmetic you can check yourself. Wondering how a bond differs from a fixed deposit? We wrote that out in full.