Financial Tools

Mutual Fund SIP Calculator - Systematic Investment Plan Calculator

Target Amount

Min 500

Max 10CR

Return (%)

Min 5

Max 100%

Period (Years)

Min 3

Max 70Y

Monthly SIP Amount is

₹ 100

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How can SIP return Calculator help you?

An SIP calculator helps you estimate the expected returns that you can accumulate over time. Many parameters, like absolute returns, trailing returns, rolling returns, etc., are to be considered while estimating the future returns of mutual funds, and manual calculations might be subject to errors. The algorithm of an SIP calculator takes into account all such possible parameters and predicts the estimated return as accurately as possible. This way, you can also compare the returns of different mutual funds to decide the best investment option.

How does the SIP return Calculator work?

A mutual fund return calculator calculates the rate of return on a mutual fund investment based on the changes in the fund’s NAV(Net Asset Value) over a specified period of time. The user inputs the initial investment amount, rate of return, and period of investment, and the calculator then estimates the overall return on the investment. The return can also be annualised to give the average return over a specified period of time, such as one year.

Please note that the SIP returns calculator is just an estimate tool; actual returns may vary, subject to market conditions.

FAQs (Frequently Asked Questions)

1. What is a SIP? How does it work?

A Systematic Investment Plan (SIP) allows investors to invest a pre-determined amount at regular intervals, in Mutual Fund schemes. It works by investing a fixed amount at a defined frequency.

2. What is the minimum amount to invest in SIP?

The minimum amount differs according to the chosen scheme.

3. What is the benefit of SIP?

Systematic Investment Plan (SIP) allows you to invest a certain amount of money at regular intervals in a mutual fund scheme. There many benefits of investing in a SIP are:

SIPs are flexible - You may choose the amount, duration and the interval of your SIP, in addition to changing the amount, pause or stop the SIP.
Experience disciplined investing - SIPs help inculcate disciplined investing which is essential in long term wealth creation.
Leverage the power of compounding - SIPs allow you to invest regularly in a scheme, leading to a compounding effect on the interest you earn. This is very beneficial for long term wealth creation.
Benefit from Rupee cost averaging - SIPs enable the benefit of rupee cost averaging, earning you more units when the Net Asset Value (NAV) of the scheme is low and vice versa. This brings down average cost of units over the long term.

4. How to automatically renew the SIP?

Renewal is possible by filling out a fresh form, starting a new SIP, & choosing the duration.

5. Can you increase the duration of SIP?

To increase the duration, you may have to start a fresh SIP and choose the desired duration by filling in a fresh SIP enrolment form.

6. What happens if I miss an SIP instalment?

Missing an instalment does not lead to any penalty, however, missing 3 consecutive instalments will lead to cancelling of the SIP.

7. Can I withdraw SIP anytime?

Yes. You can withdraw your SIP investments anytime, both partially or completely. However, mutual funds schemes like ELSS(Equity Linked Savings scheme) come with a lock-in period of three years and do not allow premature withdrawal of funds. Before withdrawing your SIP investment, keep in mind factors like exit load, tax implications, etc.

Disclaimer

The above is for illustration purpose only.The SIP amount, tenure of SIP, expected rate of return are assumed figures for the purpose of explaining the concept of advantages of SIP investments. The actual result may vary from depicted results depending on scheme selected. It should not be construed to be indicative of scheme performance in any manner. Past performance may or may not be sustained in future. The information/data herein alone is not sufficient and shouldn’t be used for the development or implementation of an investment strategy. It should not be construed as investment advice to any party. The AMC and its associates do not warrant the completeness or accuracy of the information and disclaims all liabilities, losses and damages arising out of the use of this information. The statements contained herein may include statements of future expectations and other forward-looking statements that are based on our current views and assumptions and involve known and unknown risks and uncertainties that could cause actual results, performance or events to differ materially from those expressed or implied in such statements. Readers/ Viewers shall be fully responsible/liable for any decision taken on the basis of tool. Mutual Fund Investments are subject to market risks, read all scheme related documents carefully.