SIP Calculator — India (₹)

Plan your mutual fund SIP investments and see exactly how your wealth grows over time. Supports monthly SIP, one-time lump sum, and step-up SIP with month-by-month projections.

📈 Investment Type
💰 Total Invested
₹12,00,000
📊 Est. Returns
₹11,23,391
🎯 Final Corpus
₹23,23,391
✨ Wealth Gain
93.6%
📊 Growth Projection
🍩 Invested vs Returns
📋 Growth Schedule

What is a SIP (Systematic Investment Plan)?

A Systematic Investment Plan (SIP) is a method of investing a fixed amount regularly — typically monthly — into a mutual fund scheme. Regulated by SEBI in India, SIPs allow you to start investing with as little as ₹500/month. The key advantage of SIP is rupee-cost averaging: you buy more units when the market is low and fewer when it is high, reducing your average cost per unit over time.

SIP is particularly powerful due to compounding. A ₹10,000/month SIP at 12% for 20 years grows to approximately ₹99 lakh — on an investment of just ₹24 lakh. The ₹75 lakh difference is pure compounding returns. Starting early, even with a small amount, makes a massive difference.

How to Use This SIP Calculator

  • Investment Type: Choose "Monthly SIP" for regular investments or "One-Time (Lump Sum)" for a single investment.
  • Monthly Investment: Enter the SIP amount (e.g., ₹10,000/month). This is the amount you invest every month.
  • Expected Return: Enter the annual return rate. Use 10–12% for equity funds, 6–8% for debt funds over the long term.
  • Duration: Enter how many years you plan to invest. Longer duration = significantly more wealth due to compounding.
  • Step-Up: Enter an annual percentage increase if you plan to increase your SIP every year (e.g., 10% step-up).

Key Factors That Affect SIP Returns in India

  • Rate of Return: Equity mutual funds have historically returned 12–15% over 10+ years. Debt funds return 6–8%. Your actual returns depend on market conditions and the specific fund.
  • Investment Duration: The difference between 10 years and 20 years of SIP at 12% is enormous. ₹10,000/month grows to ₹23L in 10 years but ₹99L in 20 years — a 4x difference for 2x the time.
  • Step-Up Rate: Increasing your SIP by 10% annually mirrors salary growth and can double your final corpus compared to a flat SIP.
  • Fund Selection: Large-cap funds (lower risk, 10–12% returns), mid-cap funds (higher risk, 12–16%), and index funds (benchmark returns, lowest cost). ELSS funds provide 80C tax deduction up to ₹1.5L.
  • Exit Load & Expense Ratio: Higher expense ratio (1.5–2%) in actively managed funds vs lower (0.1–0.5%) in index funds reduces effective returns over time.

Tips to Grow Wealth Faster with SIP

  • Start as early as possible: Starting SIP at 25 vs 35 can result in 3–4x more corpus by retirement, even with the same monthly amount.
  • Step up your SIP every year: Match your SIP increase to your salary hike. A 10% annual step-up on a ₹10,000 SIP at 12% for 20 years yields ₹2 crore vs ₹99L for a flat SIP.
  • Don't stop during market crashes: Market downturns are opportunities for SIP investors. Continue your SIP or even increase it during bear markets — you're buying more units at lower prices.
  • Use ELSS for tax savings: Invest up to ₹1.5L/year in ELSS mutual funds via SIP to claim Section 80C deduction and build wealth simultaneously. Lock-in is just 3 years.
  • Review your fund annually: If a fund consistently underperforms its benchmark for 3+ years, consider switching to a better-performing or index fund.

Disclaimer: SIP returns shown are based on assumed rates and are not guaranteed. Mutual fund investments are subject to market risks. Past performance is not indicative of future returns. Please read scheme information documents carefully. Consult a SEBI-registered investment advisor.