Calculate your mutual fund SIP returns instantly. Understand how your monthly investments grow over time with compound returns.
Invested
₹6,00,000
Est. Returns
₹5,61,695
Total Value
₹11,61,695
INVESTED
₹6,00,000
52% of total
RETURNS
₹5,61,695
48% of total
| Year | Total Invested | Est. Returns | Total Value |
|---|---|---|---|
| Y1 | ₹60,000 | ₹4,047 | ₹64,047 |
| Y2 | ₹1,20,000 | ₹16,216 | ₹1,36,216 |
| Y3 | ₹1,80,000 | ₹37,538 | ₹2,17,538 |
| Y4 | ₹2,40,000 | ₹69,174 | ₹3,09,174 |
| Y5 | ₹3,00,000 | ₹1,12,432 | ₹4,12,432 |
| Y6 | ₹3,60,000 | ₹1,68,785 | ₹5,28,785 |
| Y7 | ₹4,20,000 | ₹2,39,895 | ₹6,59,895 |
| Y8 | ₹4,80,000 | ₹3,27,633 | ₹8,07,633 |
| Y9 | ₹5,40,000 | ₹4,34,108 | ₹9,74,108 |
| Y10 | ₹6,00,000 | ₹5,61,695 | ₹11,61,695 |
Equity SIP
8-12% p.a.
Hybrid SIP
6-9% p.a.
Debt SIP
4-6% p.a.
FV = PMT × [((1+r)ⁿ − 1) / r] × (1+r)
FV = Future Value
PMT = Monthly investment
r = Monthly rate (annual ÷ 12 ÷ 100)
n = Total months
✓Start early for max returns
✓Invest regularly, don't time market
✓Diversify across fund types
✓Review & rebalance yearly
✓Stay invested long-term
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Open Zerodha Account →SIP stands for Systematic Investment Plan — a method to invest fixed amounts in mutual funds at regular intervals, typically monthly. Instead of trying to time the market with a large one-time investment, SIP lets you invest gradually.
This approach leverages rupee cost averaging — you buy more units when prices are low and fewer when prices are high, potentially reducing your average cost per unit over time.
Step 1 — Enter your monthly SIP amount
Step 2 — Set the expected annual return rate (8-12% for equity)
Step 3 — Choose your investment tenure in years
Step 4 — See total value, returns, pie chart, and year-wise growth
SIP (Systematic Investment Plan) is a method to invest fixed amounts in mutual funds at regular intervals. Instead of investing a lump sum, you invest smaller amounts monthly.
SIP uses the future value of annuity formula: FV = PMT × [((1+r)^n − 1) / r] × (1+r), where PMT is monthly investment, r is monthly rate (annual rate ÷ 12 ÷ 100), and n is total months.
SIP reduces risk through rupee cost averaging. During market downturns, you buy more units at lower prices. Lump sum works better in a consistently rising market.
Yes, most mutual fund schemes allow withdrawal anytime. However, exiting within a certain period may attract exit loads. ELSS funds have a mandatory 3-year lock-in.
Most mutual funds allow SIPs starting from ₹500/month. Some premium funds may have higher minimums.