SIP Calculator

Calculate returns on SIP investments.


SIP or Systematic Investment Plan is an investment plan in which you invest a fixed amount of funds for an extended period of time in mutual funds. The fixed amount of the funds will be deducted from your bank account every month on a pre-selected date.

SIP Calculator (Systematic Investment Plan) is a tool which allows you to calculate how the small investments made by you at regular intervals can generate betters results over an extended period of time.

How it works? It simply requires you to enter the amount you wish to invest every month, choose the time for how long you wish to invest and the expected rate of return. Based on this information, the calculator will provide you estimated values regarding your investments.

You can find out the amount that you will get after a period of time by entering in the:

  • Depositing Amount (e.g Rs. 5000/month)
  • Time for which you want to invest (e.g 20 years)
  • Investment Type/Expected Rate of Return (e.g Equity Mutual Funds 14%)

Benefits of SIP:

  • For starters and beginners who are new to the world of the investment and don’t have much knowledge about the market, stocks, and technical analysis, SIP is the best way to start with.
  • You won’t need to have much knowledge about the market and automated SIP can easily be monitored every month to check how well are your investment doing every month.
  • SIPs also don’t require you to deposit huge sums of funds every month, instead, you can deposit the minimum amount and get started right away!


Q1. Is SIP safer than lumpsum investments?

Ans. Lumpsum investments may be better than SIPs when it comes to profit, but a lumpsum investment also comes with a greater risk of loss as compared to SIPs.

With SIPs, if the markets are high then fewer units are bought whilst if the markets are low then more units are bought for the same amount. So, this helps to compensate for the losses.

So, SIPs are safer than lumpsum investments.

Q2. How to invest in SIP?

Ans. Once you select a fund scheme, you can make monthly investments to your SIP account or just link it to your bank account and select a date on which the funds will be automatically deducted from your bank account.

Q3. How long should I invest in SIP?

There is no limit on how long you want to invest in a SIP. However, most people tend to make short-term investments which generally have a higher probability of good returns but also come with a high risk of loss.

Therefore, it is better if you invest in SIP for a period of four years and above which have a low risk of loss.

Mutual Funds and securities investments are subject to market risks and there is no assurance or guarantee that the objectives of the Scheme will be achieved. The information provided on this website is for general reading and viewing purpose only and can not be constructed as guidelines, legal advice or professional recommendation. shall not be responsible for any direct / indirect loss or liability incurred by the user as a consequence any investment decision based on the content. The calculations are based on projected annual returns. The actual annual returns may be higher or lower than the estimated value. And it may have significant impact on the final returns Before making any investment consult to your own professional adviser.