SIP Calculator (India)
Estimate your SIP maturity value and total returns. No signup.
Frequently Asked Questions
Common questions about SIP returns and calculations.
What is SIP and how does it work?
A Systematic Investment Plan (SIP) lets you invest a fixed amount in a mutual fund at regular intervals. Returns compound monthly, so even small amounts grow significantly over long tenures.
Is SIP return guaranteed?
No. SIP returns depend on the underlying mutual fund performance. The rate entered here is an assumed annual return for estimation only.
How is SIP different from a lump sum investment?
SIP spreads your investment over time, averaging out market entry prices. A lump sum is invested all at once, carrying more timing risk but potentially higher returns if markets rise continuously.
Example SIP calculations
Common scenarios to try in the calculator above.
- → ₹5,000/month at 12% for 10 years — maturity value ~₹11.6 lakh on ₹6 lakh invested
- → ₹10,000/month at 12% for 15 years — maturity value ~₹50.5 lakh on ₹18 lakh invested
- → ₹3,000/month at 10% for 20 years — maturity value ~₹22.9 lakh on ₹7.2 lakh invested
Returns are estimated at a fixed assumed rate. Actual mutual fund returns vary.