Calculate Your SIP Returns
& Mutual Fund Corpus
Estimate your SIP or lumpsum investment returns with inflation adjustment, year-by-year growth chart, and multi-rate comparison — instantly.
SIP Details
Lumpsum Details
| Year | Invested | Returns | Total Corpus |
|---|
Return Rate Comparison
| Rate | Total Corpus | Returns |
|---|
What is a SIP?
A Systematic Investment Plan (SIP) is a method of investing in mutual funds where you invest a fixed amount at regular intervals — typically monthly. Rather than investing a large sum at once, SIP lets you invest small amounts consistently, taking advantage of rupee cost averaging. This means you buy more units when markets are low and fewer when they are high, smoothing out market volatility over time.
SIPs are the most popular way for retail investors in India to build long-term wealth through mutual funds. You can start a SIP with as little as ₹500 per month, making it accessible to virtually everyone.
M = Maturity Amount | P = Monthly Investment | r = Monthly Rate (annual ÷ 12 ÷ 100) | n = Total Months
How Does Compounding Work in SIP?
The power of compounding means your returns generate their own returns. Every rupee you earn stays invested and earns more. The longer you stay invested, the more dramatic the compounding effect. A ₹10,000/month SIP at 12% for 15 years gives you ~₹50 lakh. Extend it to 25 years and the corpus jumps to ~₹1.88 crore — with only ₹30 lakh more invested but ₹1.38 crore more in returns. That's compounding at work.
SIP vs Lumpsum — Which is Better?
| Factor | SIP | Lumpsum |
|---|---|---|
| Investment Style | Monthly fixed amount | One-time large amount |
| Risk | Lower — rupee cost averaging | Higher — timing risk |
| Best For | Salaried investors, beginners | Windfall gains, bonuses |
| Market Volatility | Benefits from dips | Fully exposed at entry |
| Returns (Bull market) | Slightly lower than lumpsum | Higher if timed well |
| Returns (Bear market) | Higher — averaging at lower NAVs | Lower if entered at peak |
| Minimum Amount | ₹500/month | ₹1,000 typically |
| Flexibility | Can pause/stop anytime | One decision required |
Top Mutual Fund Categories
Choosing the right fund category depends on your risk appetite and investment horizon. Here are the main categories and their typical return ranges:
Large Cap Equity
Invests in top 100 companies by market cap. Most stable equity category.
Mid & Small Cap
Higher growth potential, higher volatility. Ideal for 7+ year horizons.
Flexi Cap / Multi Cap
Fund manager invests across all caps. Balanced risk-return profile.
Debt Funds
Invests in bonds and fixed income. Lower risk, stable but modest returns.
Hybrid / Balanced
Mix of equity and debt. Suitable for moderate risk investors.
Index Funds
Passively tracks Nifty 50 or Sensex. Low expense ratio, market returns.