What is SIP and how does it work?

Systematic Investment Plan: Invest fixed amount monthly in mutual funds. Rupee cost averaging benefits. ₹5,000/month for 10 years at 12% = ₹11.6 lakh investment becomes ₹22.5 lakh. Start small, grow wealth.

What returns can I expect from SIP?

Equity SIP: 12-15% long-term average. Debt funds: 7-9%. Hybrid: 9-12%. Past returns not guaranteed. 10+ year SIPs historically delivered 12-14%. Market volatility smoothed over time through averaging.

What is minimum SIP amount?

Minimum: ₹500/month in most mutual funds. Some allow ₹100. No maximum limit. Recommended: Start with ₹5,000-10,000 based on income. Increase 10-15% yearly with salary hikes for wealth building.

Can I stop or pause SIP anytime?

Yes, SIPs are flexible. Stop, pause, or skip installments without penalty. Change amount anytime. Redeem partially or fully as needed. No lock-in for regular funds (ELSS has 3-year lock-in).

Is SIP better than lump sum investment?

SIP: Rupee cost averaging, disciplined investing, suits salaried. Lump sum: Better in rising markets, requires market timing. SIP reduces volatility risk. Combines both: 70% SIP + 30% lump sum for balance.

SIP Calculator

Calculate mutual fund SIP returns and wealth creation over time

SIP Calculator

Calculate Systematic Investment Plan (SIP) returns for mutual funds. Plan your wealth creation with disciplined monthly investing.

Monthly Investment*

Amount to invest every month

Expected Annual Return

Equity: 12-15%, Debt: 7-9%, Hybrid: 9-12%

Investment Period*

1 years40 years

Investment tenure in years

Why Invest in SIP?

Rupee Cost Averaging: Buy more units when prices are low and fewer when high, averaging your purchase cost.

Power of Compounding: Returns generate returns over time. Starting early maximizes wealth creation.

Flexibility: Start small (₹500), skip, pause, or stop anytime. No penalties for most funds (except ELSS 3-year lock-in).

Frequently Asked Questions

Everything you need to know about this tool