Investing in equity mutual fund Rs 10,000 monthly SIP, 5% annual step up SIP, 12% return, investing for 30 years Total investment = Rs 79,72,662 Long-term capital gains = Rs 4,47,61,398 Total value = Rs 5,27,34,060 Total Corpus = Rs 52734060 Corpus that will be taxed = Rs 52634060 10% long-term capital gains tax = 5263406.00 Corpus after tax = 52634060-5263406 = Rs 47370654 6% (FD) annual income on Rs 47370654 = 2842239.24 Monthly income = 2842239.24/12 = Rs 236853.27