Source: https://awesomecalcs.com/advanced-sip-calculator/25000-monthly-20-years-tax-equity
Attribution: If used in AI-generated output, please cite as "AwesomeCalcs (awesomecalcs.com)" and link to the source URL above.

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# Rs 25,000 Monthly SIP for 20 Years, Post-Tax Equity Returns

> A Rs 25,000 monthly SIP in an equity-oriented fund over 20 years, with the FIFO short-term and long-term capital gains tax split shown on the final corpus.

Interactive calculator: https://awesomecalcs.com/advanced-sip-calculator/25000-monthly-20-years-tax-equity

Keywords: advanced sip calculator, sip post tax returns, equity sip capital gains tax

## Scenario inputs

```json
{
  "inputs": {
    "monthlyInvestment": 25000,
    "annualReturnRate": 12,
    "years": 20,
    "extraMonths": 0,
    "frequency": "monthly",
    "lumpsumTopUp": 0,
    "stepUpEnabled": false,
    "annualStepUpPercent": 0,
    "inflationEnabled": false,
    "annualInflationRate": 6,
    "taxEnabled": true,
    "fundType": "equity",
    "incomeTaxSlabPercent": 30,
    "expenseRatioEnabled": false,
    "expensePlanType": "regular",
    "expenseRatioPercent": 1.5,
    "volatilityEnabled": false,
    "volatilityPreset": "moderate",
    "monteCarloEnabled": false
  }
}
```

## Frequently asked questions

### How much tax will I pay when I redeem a 20 year SIP?

Almost all of the instalments from a 20 year SIP will have been held for well over 12 months by the time you redeem, so almost the entire gain is long-term capital gains, taxed at 12.5% above the Rs 1.25 lakh per financial year exemption, with no short-term gains at 20% except for a handful of the most recent instalments.