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SIP Calculator โ€” Mutual Fund Returns India

See how your monthly SIP investment compounds into wealth over time. Calculate corpus, total gains and return multiple.

๐Ÿ“Š SIP Details
โ‚น
%
Nifty 50 index funds: ~12โ€“14% long-term CAGR historically
Years
๐Ÿ“Š Your Wealth
Enter SIP details to see your wealth

SIP Calculator โ€” How Mutual Fund SIPs Work

A Systematic Investment Plan (SIP) lets you invest a fixed amount in a mutual fund every month. The power of SIPs comes from rupee cost averaging (you buy more units when markets are low) and compounding (returns on returns over time).

SIP vs Lump Sum โ€” Which is Better?

For most salaried employees, SIP is the preferred route because it: (1) removes the need to time the market, (2) matches your monthly salary income, (3) builds discipline, and (4) benefits from market volatility through rupee cost averaging. Lump sum investing can outperform SIP in a consistently rising market, but requires capital and courage.

Tax on SIP Returns

What is a realistic SIP return expectation for India?
For equity index funds (Nifty 50, Nifty Next 50), a 12โ€“14% CAGR over 10+ year periods has been the historical norm. Actively managed large-cap funds have underperformed index funds after fees in most 10-year periods. Mid/small-cap funds carry higher risk but have delivered 15โ€“18% CAGR historically over long periods.
Can I pause or stop my SIP mid-way?
Yes. Most mutual fund SIPs can be paused for 1โ€“3 months or stopped anytime without penalty. The invested units remain and continue to grow. However, stopping a SIP during a market dip is typically counterproductive โ€” those are the months you benefit most from rupee cost averaging.

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