Deferred SIP Calculator — Stop SIP, Stay Invested India

Deferred SIP

Invest via SIP for a fixed number of years, then stop investing but stay invested for an additional deferral period. The corpus keeps compounding — without a single new rupee going in.

Why Deferred SIP Multiplies Wealth Without More Investment

Deferred SIP has two phases. Phase 1 (Accumulation): You invest ₹10,000/month for 15 years at 12% — corpus grows to ₹50.4L. You stop investing. Phase 2 (Deferral): That ₹50.4L stays invested and compounds for another 10 years at 12% — it grows to ₹1.56 Crore. Total invested: ₹18 Lakhs. Final corpus: ₹1.56 Crore. The deferral period is where serious wealth is built — not by adding money, but by giving time.

Phase 1 — SIP Accumulation

Monthly SIP (₹)

SIP Investment Period (years)

15 yrs

How many years you actively invest via SIP

Expected Return During Investment (%)

12%

Phase 2 — Deferral (No New Investment)

Deferral Period — Stay Invested Without Adding (years)

10 yrs

You stop SIP but keep the money invested — no withdrawals

Expected Return During Deferral (%)

12%

Can use a more conservative rate for deferral phase (e.g. switch to hybrid)

Corpus at End of SIP Phase

₹—

Total Invested

—

SIP Duration

—

Final Corpus After Deferral

₹—

Growth in Deferral Period

—

Total Duration

—

Wealth Multiplier

—

Effective CAGR

—

Disclaimer: Deferred SIP projections assume constant return rates throughout. Actual returns vary year to year. Staying invested carries market risk. This is for planning only. Mutual Fund investments are subject to market risks. ARN-309076.

Discuss with Eswari ← All Calculators

Eswari Guduru (ARN-309076) · Guduru Anantha Eswari Rajeswari · AMFI Registered Mutual Fund Distributor · Authorised Person — Kotak Securities Ltd (INZ000200137) · NSE AP AP0291573301 · Boduppal, Hyderabad 500092 · +91 79959 72796 · eswariguduru.com
All projections are for illustration only. Returns not guaranteed. Constant assumed rates — actual MF returns fluctuate. Not investment advice. Not a SEBI Registered Investment Adviser. Read all scheme documents before investing. Tax calculations, where applicable, use FY2026-27 slabs — consult a CA for personal advice.