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A Systematic Investment Plan (SIP) is one of the most disciplined ways to create long-term wealth. Instead of trying to time the market, SIP allows you to invest a fixed amount regularly (usually monthly) in Mutual Funds. This instills financial discipline and takes advantage of two powerful concepts: Rupee Cost Averaging (buying more units when prices are low) and Power of Compounding. Our SIP Calculator helps you estimate the future value of your monthly savings based on an expected annual return rate.
You don't need a lump sum. You can start investing with as little as ₹500 per month.
Reinvesting returns generates earnings on your earnings, growing wealth exponentially.
SIPs are lighter on the wallet as the investment is spread over months or years.
Buying at different market levels averages out the cost of purchase, reducing risk.
Calculate exactly how much you need to invest monthly to reach ₹1 Crore in 20 years.
SIP returns depend on the market performance. Historically, Equity Mutual Funds in India have delivered 12% to 15% annual returns over the long term (10+ years). Debt funds usually offer 7% to 9%.
Yes, SIP is a voluntary investment. You can stop, pause, or increase your SIP amount at any time without any penalty from the fund house. However, exit loads may apply if you withdraw the money within 1 year.
For volatile markets, SIP is generally better as it averages out the buying cost. Lump sum investment is risky if the market crashes immediately after you invest, but it can work well if the market is at a bottom.
Yes. For Equity Funds held for >1 year, gains up to ₹1 Lakh/year are tax-free (LTCG), and gains above that are taxed at 10%. For holding <1 year, STCG tax is 15%. Debt fund taxation rules are different and based on your income slab.
