SIP Calculator India – Calculate Mutual Fund Returns Online
A SIP (Systematic Investment Plan) helps you invest a fixed amount every month in mutual funds. This SIP Calculator for India helps you estimate maturity value, total investment, and expected returns based on your monthly SIP amount, expected annual return, and investment duration.
Use this SIP calculator to estimate mutual fund returns in India based on monthly investment, expected annual return, and investment duration.
Investment Details
This SIP Calculator is developed and maintained by the Hisabhkaro research team to provide accurate and transparent mutual fund return projections for investors in India.
The calculation follows the standard future value formula for monthly compounding:
- FV: Future Value or Maturity Amount
- P: Monthly Investment Principal
- r: Monthly Interest Rate (Annual Rate / 12 / 100)
- n: Total Number of Monthly Installments (Years × 12)
Data References & Regulatory Context:
- Mutual fund investment guidelines – AMFI India
- Securities market regulations – SEBI (Securities and Exchange Board of India)
- Taxation rules reference – Income Tax Department of India
Last Updated: February 2026
This formula accounts for monthly compounding. Reference: Investopedia on SIP Calculations
Example SIP Return Calculations
Assumes beginning-of-month investments and INR currency.
| Monthly Investment | Expected Return (p.a.) | Time Period | Total Invested | Estimated Gains | Maturity Value |
|---|---|---|---|---|---|
| ₹5,000 | 12% | 10 Years | ₹6,00,000 | ₹5,61,695 | ₹11,61,695 |
| ₹10,000 | 15% | 15 Years | ₹18,00,000 | ₹49,68,631 | ₹67,68,631 |
| ₹2,000 | 10% | 5 Years | ₹1,20,000 | ₹36,165 | ₹1,56,165 |
SIP vs Fixed Deposit (FD) – Key Differences
Both SIP (Systematic Investment Plan) and Fixed Deposits are popular investment options in India. However, they differ significantly in terms of return potential, risk exposure, and long-term wealth creation.
| Feature | SIP (Mutual Funds) | Fixed Deposit (FD) |
|---|---|---|
| Return Type | Market-linked (Variable) | Fixed Interest Rate |
| Expected Long-Term Returns | 10%–14% (Historical equity average) | 6%–8% (Typical bank FD range) |
| Inflation Protection | Potentially Higher | Limited |
| Risk Level | Moderate (Market Risk) | Low |
| Liquidity | High (Open-ended funds) | Penalty on premature withdrawal |
SIP investments offer higher long-term growth potential but carry market risk. Fixed Deposits provide stable returns but may struggle to beat inflation over longer investment horizons. You can also compare detailed scenarios using our Lumpsum Investment Calculator.
SIP vs Lumpsum Investment – Which is Better?
Investors often compare SIP and lumpsum investing when planning mutual fund investments. The choice depends on cash flow availability, market conditions, and risk tolerance.
| Factor | SIP | Lumpsum Investment |
|---|---|---|
| Investment Style | Periodic monthly investing | One-time investment |
| Market Timing Risk | Reduced (Rupee-cost averaging) | Higher exposure |
| Best For | Salary earners & disciplined investors | Investors with surplus capital |
| Volatility Impact | Smoothened over time | Fully exposed to market swings |
SIP reduces timing risk by spreading investments over time, whereas lumpsum investing may generate higher returns during strong bull markets but carries higher short-term volatility. Explore different investment scenarios using our Lumpsum Investment Calculator.
How Much Can ₹10,000 Monthly SIP Grow in 20 Years?
If you invest ₹10,000 per month for 20 years at an expected annual return of 12%, your total investment would be ₹24,00,000. Due to the power of compounding, the projected maturity value can be significantly higher than the invested amount.
Use the SIP Calculator above to adjust the return rate and duration to see how long-term compounding impacts your total wealth creation.
Learn how fund expenses impact your long-term returns in what is expense ratio in mutual funds.
A SIP is a structured investment strategy in mutual funds involving periodic fixed contributions. It employs rupee-cost averaging to mitigate market volatility. For comprehensive insights, visit our About Us section or external resource: AMFI India SIP Guide.
Returns are market-linked and not guaranteed. Key influencers include asset allocation, economic cycles, and fund management. Historically, equity SIP returns have varied significantly across market cycles and are not guaranteed.
Yes, platforms permit adjustments, pauses (typically up to 3 months), or step-ups. Utilize our Step-Up SIP Tool for simulations.
Equity SIPs over 12 months incur 12.5% LTCG tax beyond ₹1.25 lakh exemption. Debt funds follow slab rates. Integrate with retirement via our Retirement Planning Calculator. Source: Income Tax Department.
SIPs reduce timing risks through averaging, suitable for regular income earners. Lumpsum offers potential higher returns but with volatility. Compare scenarios using our Lumpsum Investment Calculator. Understand the key differences between systematic investing and one-time investing in SIP vs lumpsum investment.
Inflation erodes real returns; aim for SIP returns exceeding inflation (e.g., 7-8% in India). Adjust using our Inflation Impact Calculator.
Maintain SIP continuity to capitalize on rupee-cost averaging. Downturns enable unit accumulation at reduced prices. Align with long-term objectives using our Retirement Withdrawal Planner.
Prefer Growth for uninterrupted compounding. Dividends may trigger tax events. Counter inflation with our Inflation Calculator in India.
Evaluate Sharpe ratio, alpha, expense ratio, and 5-year performance. Resources like Value Research. Benchmark returns via our CAGR Analyzer.
Some investors choose to allocate portions of their portfolio between equity and debt based on risk tolerance and goals. Use our EMI Calculator to balance loans. Expert advice from certified financial planners.