SIP Calculator India
Calculate how much your SIP (Systematic Investment Plan) can grow over time. Visualise the power of compounding and rupee cost averaging in Indian mutual funds.
Enter Your SIP Details
AMFI Registered · ARN-356292 · Zero minimum investment
At 12% expected return, the All Weather Basket — our balanced multi-asset strategy — matches your return expectation.
Disclaimer: This calculator provides an estimate based on the return rate entered. Actual mutual fund returns are subject to market risks and may vary. Past performance is not a guarantee of future results. Please read all scheme-related documents carefully before investing.
How SIP Works — Key Concepts
Rupee Cost Averaging
SIPs automatically buy more units when markets fall and fewer when markets rise. This averages your purchase cost below the market average over time — a mathematical advantage over lump sum investing in volatile markets.
Power of Compounding
Your returns generate their own returns. A ₹10,000 monthly SIP at 12% for 20 years turns ₹24L invested into ₹99.9L — 4x your investment. Start early: even 2 extra years can add 25-30% more to your final corpus.
Discipline Over Timing
SIPs remove the need to time the market. Regular investing through market cycles — corrections, peaks, recoveries — ensures you participate in every phase of the market's long-term upward journey.
Flexible & Liquid
Unlike FDs, SIPs in open-ended mutual funds can be paused, increased, or redeemed anytime. Most equity fund redemptions are credited to your bank within 2–3 business days (T+3 settlement).