I am investing ₹890 every month on sbi nifty 50 and ₹500 on parag parikh flexi cap fund and ₹500 on exide battery qhat my return after 5 years
Here's a quick estimate based on typical historical returns before I fetch current data:
- SBI Nifty 50 Index Fund: ~12% CAGR (index fund, tracks Nifty 50)
- Parag Parikh Flexi Cap Fund: ~15-16% CAGR (historically strong performer)
- Exide Industries (stock?): Variable - if you mean the stock via SIP, returns are unpredictable
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SBI Nifty 50 index fund historical returns CAGR 2024 2025
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Parag Parikh Flexi Cap Fund historical returns CAGR 5 year
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Exide Industries stock SIP return or Exide Battery fund 2025
Based on the data gathered, here is your full SIP projection for 5 years:
Your SIP Portfolio - 5 Year Return Estimate
Monthly Investments:
| Fund | Monthly SIP | Category |
|---|---|---|
| SBI Nifty 50 Index Fund | ₹890 | Index Fund |
| Parag Parikh Flexi Cap Fund | ₹500 | Flexi Cap |
| Exide Industries (Stock SIP) | ₹500 | Individual Stock |
| Total | ₹1,890/month |
Return Assumptions (based on historical data)
| Fund | Historical CAGR Used | Basis |
|---|---|---|
| SBI Nifty 50 | 11.64% | Since-launch average (direct); 5Y ~9.4% per SBI MF data |
| Parag Parikh Flexi Cap | 13.09% | 5-year trailing return (regular plan) |
| Exide Industries Stock | 10% | Conservative estimate; stock is up ~16% YTD in 2026 but highly volatile |
SIP Calculator Formula
For each fund: FV = P × [((1 + r)^n - 1) / r] × (1 + r)
where P = monthly SIP, r = monthly rate, n = 60 months (5 years)
Results After 5 Years
SBI Nifty 50 Index Fund (₹890/month @ 11.64% p.a.)
- Total invested: ₹53,400
- Estimated value: ~₹71,800
- Estimated gain: ~₹18,400
Parag Parikh Flexi Cap Fund (₹500/month @ 13.09% p.a.)
- Total invested: ₹30,000
- Estimated value: ~₹41,600
- Estimated gain: ~₹11,600
Exide Industries Stock SIP (₹500/month @ 10% p.a.)
- Total invested: ₹30,000
- Estimated value: ~₹38,900
- Estimated gain: ~₹8,900
Combined Portfolio Summary
| Amount | |
|---|---|
| Total Invested (5 yrs) | ₹1,13,400 |
| Estimated Portfolio Value | ~₹1,52,300 |
| Total Estimated Gain | ~₹38,900 |
| Overall Return | ~34% |
Important Notes
-
Exide Industries - You likely mean investing in Exide Industries stock (NSE: EXIDEIND), not a mutual fund. Stocks are much more volatile than mutual funds. The 10% assumption is conservative - it could do better or worse.
-
Market conditions matter - The Nifty 50 has had a rough patch recently (down ~2-3% in the past 1 year as of mid-2026). Long-term 5-year returns tend to normalize toward 10-12%.
-
Direct vs Regular plans - If you invest via direct plans (Zerodha, Groww, etc.), your returns will be ~0.5-1% higher annually due to lower expense ratios.
-
These are estimates, not guarantees - Mutual fund SIPs and stock prices fluctuate. Past performance does not guarantee future returns.
-
Tax consideration - After 5 years, LTCG above ₹1.25 lakh is taxed at 12.5% for equity funds/stocks.
If market conditions improve and Parag Parikh returns to its historical 16-18% range, your total corpus could reach ~₹1,60,000-₹1,65,000.
Not 890 iys 800
No problem! Here's the corrected calculation with ₹800/month for SBI Nifty 50.
Your SIP Portfolio - 5 Year Return Estimate (Corrected)
Monthly Investments:
| Fund | Monthly SIP |
|---|---|
| SBI Nifty 50 Index Fund | ₹800 |
| Parag Parikh Flexi Cap Fund | ₹500 |
| Exide Industries (Stock SIP) | ₹500 |
| Total | ₹1,800/month |
Results After 5 Years
SBI Nifty 50 Index Fund (₹800/month @ 11.64% p.a.)
- Total invested: ₹48,000
- Estimated value: ~₹64,500
- Estimated gain: ~₹16,500
Parag Parikh Flexi Cap Fund (₹500/month @ 13.09% p.a.)
- Total invested: ₹30,000
- Estimated value: ~₹41,600
- Estimated gain: ~₹11,600
Exide Industries Stock SIP (₹500/month @ 10% p.a.)
- Total invested: ₹30,000
- Estimated value: ~₹38,900
- Estimated gain: ~₹8,900
Combined Portfolio Summary
| Amount | |
|---|---|
| Total Invested (5 yrs) | ₹1,08,000 |
| Estimated Portfolio Value | ~₹1,45,000 |
| Total Estimated Gain | ~₹37,000 |
| Overall Return | ~34% |
Key Reminders
- Exide Industries is a stock, not a mutual fund - returns can vary significantly.
- Use direct plans (via Groww, Zerodha Coin, etc.) to save on expense ratios and boost returns by ~0.5-1% annually.
- If markets perform well (Parag Parikh at
16%), total corpus could reach **₹1,50,000-₹1,55,000**. - LTCG tax of 12.5% applies on gains above ₹1.25 lakh after 1 year.
For 10 years
Here's your 10-year SIP projection using the same return assumptions:
Your SIP Portfolio - 10 Year Return Estimate
Monthly Investments:
| Fund | Monthly SIP |
|---|---|
| SBI Nifty 50 Index Fund | ₹800 |
| Parag Parikh Flexi Cap Fund | ₹500 |
| Exide Industries (Stock SIP) | ₹500 |
| Total | ₹1,800/month |
Results After 10 Years
SBI Nifty 50 Index Fund (₹800/month @ 11.64% p.a.)
- Total invested: ₹96,000
- Estimated value: ~₹1,80,500
- Estimated gain: ~₹84,500
Parag Parikh Flexi Cap Fund (₹500/month @ 13.09% p.a.)
- Total invested: ₹60,000
- Estimated value: ~₹1,20,500
- Estimated gain: ~₹60,500
Exide Industries Stock SIP (₹500/month @ 10% p.a.)
- Total invested: ₹60,000
- Estimated value: ~₹1,02,500
- Estimated gain: ~₹42,500
Combined Portfolio Summary
| Amount | |
|---|---|
| Total Invested (10 yrs) | ₹2,16,000 |
| Estimated Portfolio Value | ~₹4,03,500 |
| Total Estimated Gain | ~₹1,87,500 |
| Overall Return | ~87% |
Power of Compounding - Year by Year Snapshot
| Year | Total Invested | Estimated Value |
|---|---|---|
| 1 | ₹21,600 | ~₹23,000 |
| 3 | ₹64,800 | ~₹77,500 |
| 5 | ₹1,08,000 | ~₹1,45,000 |
| 7 | ₹1,51,200 | ~₹2,18,000 |
| 10 | ₹2,16,000 | ~₹4,03,500 |
Scenarios (10 Years)
| Scenario | Annual Return | Estimated Corpus |
|---|---|---|
| Conservative | 8% avg | ~₹3,27,000 |
| Moderate (base case) | 11-13% avg | ~₹4,03,500 |
| Optimistic | 15% avg | ~₹4,80,000 |
Key Takeaways
- Compounding really kicks in after year 7 - your money nearly doubles vs year 5.
- Over 10 years, you invest just ₹2.16 lakh and could end up with ~₹4 lakh - almost 2x your investment.
- Parag Parikh has historically been the strongest performer of the three over long periods.
- If Exide Industries stock underperforms, consider switching it to a diversified equity fund for more stable growth.
- LTCG tax of 12.5% applies on gains above ₹1.25 lakh - factor this in for your net returns.
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