Calculate your Mutual Fund SIP maturity amount and returns instantly
SIP (Systematic Investment Plan) lets you invest a fixed monthly amount in Mutual Funds. Formula: M = P × [((1+r)^n - 1) / r] × (1+r)
Example: ₹5,000/month at 12% annual return for 10 years ≈ ₹11.6 Lakhs maturity (₹6 Lakhs invested).
⚠️ Results are estimates only. Actual returns depend on market performance.
Use the slider to choose how much you want to invest every month. You can start a SIP with as little as ₹500 in most mutual funds.
Enter the annual return rate you expect. Historically, Indian equity mutual funds have delivered 12–15% returns over the long term.
Select how many years you plan to continue your SIP. The longer the duration, the greater the benefit of compounding.
Instantly see your total maturity value, amount invested, and total returns earned.
SIP Maturity Formula: M = P × [((1+r)ⁿ − 1) / r] × (1+r)
Where: P = monthly investment | r = monthly return (annual% ÷ 12) | n = total months
Example: ₹5,000/month × 15 years × 12% = Maturity ≈ ₹25 Lakh on ₹9 Lakh invested
SIP (Systematic Investment Plan) is a method to invest a fixed monthly amount in a mutual fund. You can start with just ₹500 through platforms like Groww, Zerodha Coin, or directly via AMC websites.
No, SIP returns are market-linked and not guaranteed. However, long-term equity SIPs (10+ years) have historically delivered 12–15% average annual returns in India.
Yes, you can pause or stop a SIP anytime without any penalty. Your invested amount remains in the fund and can be redeemed whenever needed.
SIP reduces risk through Rupee Cost Averaging by buying units at different prices. Lump sum works better when markets are low. For salaried individuals, SIP is the more disciplined approach.
Equity funds held over 1 year: LTCG at 10% on gains above ₹1 lakh. Under 1 year: STCG at 15%. Debt funds are taxed as per your income tax slab.