SIP Calculator India 2026 - Calculate Mutual Fund Returns
Calculate Your SIP Returns
Enter your monthly investment amount, expected annual return rate, and investment duration to see how your wealth will grow.
Your SIP Investment Results
Investment Breakdown
| Monthly Investment | ₹0 |
| Investment Period | 0 Years |
| Expected Return Rate | 0% |
| Total Months | 0 |
| Total Amount Invested | ₹0 |
| Estimated Returns | ₹0 |
| Maturity Value | ₹0 |
💡 Pro Tip
The power of compounding works best over long periods. Starting early and staying invested is the key to wealth creation through SIP.
Learn How SIP WorksWhy Invest Through SIP?
Power of Compounding
Your returns generate further returns over time, leading to exponential wealth growth. The longer you stay invested, the more powerful compounding becomes.
Rupee Cost Averaging
By investing fixed amounts regularly, you buy more units when prices are low and fewer when prices are high, averaging out your purchase cost over time.
Disciplined Investment
SIP automates your investment habit. You don't need to time the market or make emotional decisions. Your money works for you every month.
Start Small, Dream Big
You can start with as little as ₹500 per month. No need for large capital upfront. Perfect for salaried individuals building wealth gradually.
Flexibility & Control
Increase, decrease, pause, or stop your SIP anytime without penalties. You have complete control over your investment journey.
Long-Term Wealth Creation
Historically, equity mutual funds have delivered 12-15% returns over 10+ years in India, helping investors beat inflation and build substantial wealth.
Frequently Asked Questions (FAQ)
What is SIP and how does it work?
SIP (Systematic Investment Plan) is a method to invest a fixed amount regularly in mutual funds. Instead of investing a lump sum, you invest monthly (or quarterly), which averages out the purchase cost over time through rupee cost averaging and leverages the power of compounding.
What is the minimum amount to start SIP in India?
Most mutual funds in India allow SIP starting from ₹500 per month. Some funds even allow ₹100 monthly SIP. However, ₹1,000 to ₹5,000 per month is more common for meaningful wealth creation.
What is a good expected return rate for SIP?
Equity mutual funds have historically delivered 12-15% returns over long periods (10+ years) in India. Debt funds deliver 6-8%. However, past performance doesn't guarantee future returns. Use 10-12% as a reasonable assumption for diversified equity funds.
How is SIP maturity amount calculated?
SIP maturity is calculated using the future value formula: FV = P × ((1+r)^n - 1) / r × (1+r), where P is monthly investment, r is monthly rate of return (annual rate/12), and n is total number of months.
Can I stop or pause my SIP anytime?
Yes, SIPs are flexible. You can pause, stop, or increase/decrease your SIP amount anytime without penalties. However, staying invested for longer periods maximizes compounding benefits.
Is SIP better than lump sum investment?
SIP is better for regular salaried investors as it enables disciplined investing, averages market volatility through rupee cost averaging, and doesn't require large capital upfront. Lump sum works if you have surplus cash and market timing is favorable.
Are SIP returns guaranteed?
No, SIP returns are not guaranteed as mutual funds invest in market-linked securities. Returns depend on fund performance, market conditions, and asset class. Only fixed deposits and PPF offer guaranteed returns.
What happens if I miss a SIP installment?
Missing 1-2 SIP installments usually doesn't affect your investment. However, if your account doesn't have sufficient balance for 3 consecutive installments, the SIP may be cancelled by the AMC. You'll need to restart it.
Which is the best mutual fund for SIP?
The "best" fund depends on your risk appetite, investment horizon, and financial goals. Diversified equity funds are good for long-term (7+ years), balanced funds for moderate risk, and debt funds for short-term goals. Consult a financial advisor for personalized recommendations.