SIP Returns Calculator
A SIP (Systematic Investment Plan) harnesses compounding to build wealth incrementally. Enter your monthly investment, expected annual return, and how long you plan to invest to see your projected corpus.
Frequently Asked Questions
What is a SIP and how does it work?+
A SIP (Systematic Investment Plan) is a way to invest a fixed amount in a mutual fund every month. Each instalment buys units at the prevailing NAV. Over time, you benefit from rupee-cost averaging — buying more units when prices are low and fewer when prices are high.
Is SIP return the same as mutual fund return?+
The return shown here is based on the annual return rate you enter, assumed to be constant. In reality, mutual fund returns fluctuate year to year. A 12% p.a. assumption is common for long-term equity SIPs but actual returns will differ.
What happens if I miss a SIP instalment?+
Missing a single SIP instalment does not cancel your plan or attract a penalty in most cases. The SIP will continue from the next instalment. However, frequent misses reduce the compounding benefit over time.
Is SIP better than a lump sum investment?+
SIP is generally better for regular investors because it removes the need to time the market and smooths out volatility through rupee-cost averaging. Lump sum can outperform SIP if invested at a market low, but timing the market consistently is very difficult.
How long should I stay invested in a SIP?+
The power of compounding grows exponentially with time. Staying invested for 15–20 years produces far better results than 5–7 years, even at the same monthly amount. A common benchmark is to stay invested until your financial goal is reached.