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Mode
Inflation
FREE SIP CALCULATOR
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
Monthly Investment
₹
₹500₹50K₹1L
Expected Annual Return
% p.a.
1%15%30%
Investment Period
Yrs
1 Yr20 Yrs40 Yrs
Lumpsum Details
One-Time Investment
₹
₹1K₹25L₹50L
Expected Annual Return
% p.a.
1%15%30%
Investment Period
Yrs
1 Yr20 Yrs40 Yrs
Year-by-Year Growth
Invested Amount
Est. Returns
Year-by-Year Growth Table
Year
Invested
Returns
Total Corpus
Real Value
Total Corpus
₹0
after 15 years at 12% p.a.
₹0
Invested
₹0
Est. Returns
0x
Wealth Gain Ratio
₹0
Real Value
Inflation-adjusted returns6% p.a.
Invested vs Returns Breakup
Invested—
Returns—
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.
SIP Future Value Formula
M = P × { [(1 + r)n − 1] / r } × (1 + r) 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.
Typical returns: 10–14% p.a.
Mid & Small Cap
Higher growth potential, higher volatility. Ideal for 7+ year horizons.
Typical returns: 14–20% p.a.
Flexi Cap / Multi Cap
Fund manager invests across all caps. Balanced risk-return profile.
Typical returns: 12–16% p.a.
Debt Funds
Invests in bonds and fixed income. Lower risk, stable but modest returns.
Typical returns: 6–9% p.a.
Hybrid / Balanced
Mix of equity and debt. Suitable for moderate risk investors.
NAV (Net Asset Value) is the per-unit price of a mutual fund scheme. It is calculated by dividing the total value of the fund's assets minus liabilities by the number of units outstanding. When you invest in a SIP, you buy units at the prevailing NAV on the date of investment. A higher NAV doesn't mean the fund is expensive — what matters is the growth rate of NAV over time.
Is SIP safe? Can I lose money?
SIP in mutual funds is subject to market risk. You can lose money in the short term, especially in equity funds during market downturns. However, SIPs are designed for long-term wealth creation — historically, SIPs in diversified equity funds held for 7+ years have rarely delivered negative returns. The rupee-cost averaging feature of SIPs helps reduce the impact of market volatility significantly.
What is the minimum SIP amount?
Most mutual funds allow you to start a SIP with as little as ₹100 to ₹500 per month. Many popular funds like HDFC Flexi Cap, ICICI Pru Bluechip, and Mirae Asset Emerging Bluechip allow SIPs starting at ₹100/month. The ideal amount depends on your financial goals — use this calculator to find how much you need to invest monthly to reach your target corpus.
How is SIP return calculated? What is XIRR?
SIP returns are typically measured using XIRR (Extended Internal Rate of Return), which accounts for the timing of each investment. Because SIP investments happen at different points in time, a simple annualised return isn't accurate. XIRR calculates the annualised return considering all cash flows and their dates. This calculator uses the standard SIP future value formula for projections, which assumes a constant return rate — actual returns will vary based on market performance.
What is the difference between SIP and recurring deposit (RD)?
Both SIP and RD involve investing a fixed amount each month. However, RD is a bank product offering guaranteed returns (typically 5–7% p.a.), while SIP is a market-linked investment in mutual funds. SIPs historically deliver significantly higher long-term returns (10–15% p.a. in equity funds) but carry market risk. RDs are better for short-term goals where capital safety is a priority; SIPs are better for long-term wealth creation.
Can I increase or stop my SIP?
Yes, SIPs are completely flexible. You can pause a SIP for 1–3 months, stop it permanently, increase the amount (called a Step-Up SIP), or decrease the amount. Many fund houses offer a Step-Up SIP option where the investment amount automatically increases by a fixed percentage (e.g., 10%) every year — this can dramatically increase your final corpus since you invest more as your income grows.