India SIP Calculator
Calculate the future value of your SIP mutual fund investments. Enter monthly amount, expected return and period to see projected wealth with a growth chart.
SIP Details
Typical equity returns: 12-15%, Debt returns: 5-7%
SIP Projection
Total Amount Invested
₹12,00,000
Estimated Returns
₹11,23,391
(93.6% growth)
Total Value at Maturity
₹23,23,391
Monthly SIP Amount
₹10,000
for 10 years
Invested Amount vs Returns
Invested
₹12,00,000
51.6%
Returns
₹11,23,391
48.4%
Yearly Growth Projection
| Year | Amount Invested (₹) | Total Value (₹) | Returns (₹) |
|---|---|---|---|
| 1 | ₹1,20,000 | ₹3,75,176 | ₹2,55,176 |
| 2 | ₹2,40,000 | ₹7,08,125 | ₹4,68,125 |
| 3 | ₹3,60,000 | ₹10,03,601 | ₹6,43,601 |
| 4 | ₹4,80,000 | ₹12,65,820 | ₹7,85,820 |
| 5 | ₹6,00,000 | ₹14,98,527 | ₹8,98,527 |
| 6 | ₹7,20,000 | ₹17,05,042 | ₹9,85,042 |
| 7 | ₹8,40,000 | ₹18,88,314 | ₹10,48,314 |
| 8 | ₹9,60,000 | ₹20,50,959 | ₹10,90,959 |
| 9 | ₹10,80,000 | ₹21,95,297 | ₹11,15,297 |
| 10 | ₹12,00,000 | ₹23,23,391 | ₹11,23,391 |
What is SIP?
Systematic Investment Plan (SIP) is a method of investing a fixed amount regularly (usually monthly) in mutual funds. It benefits from rupee cost averaging and the power of compound returns.
Benefits
- Disciplined investing with small amounts
- Power of compound returns over time
- Rupee cost averaging reduces impact of market volatility
- Flexibility to increase or stop anytime
Typical Annual Returns
- Equity Funds: 12-15% (higher risk, higher potential returns)
- Balanced Funds: 8-10% (mix of stocks and bonds)
- Debt Funds: 5-7% (lower risk, stable returns)
- Past performance does not guarantee future results
Disclaimer
This calculator provides estimates based on constant expected returns. Actual returns vary based on market conditions and fund performance. SIP investments are subject to market risks. Please consult a financial advisor before making investment decisions. Past performance does not guarantee future results.
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