SIP Calculator
India 2026.

SIP (Systematic Investment Plan) lets you invest a fixed amount monthly into a mutual fund scheme. It automates wealth creation through disciplined, regular contributions regardless of market conditions.

Use the formula M = P × [{(1 + i)^n − 1} / i] × (1 + i). Our SIP return calculator automates this instantly — just enter your monthly amount, expected rate, and years.

SIP is generally safer for retail investors as it uses Rupee Cost Averaging — buying more units when NAV is low and fewer when high, reducing average cost over time.

Investing ₹15,000/month for 15 years at 15% expected return creates approximately ₹1 Crore corpus — demonstrating the power of disciplined SIP investing.

Yes. LTCG above ₹1.25 Lakh/year is taxed at 12.5%. STCG (under 1 year) is taxed at 20%. ELSS funds offer ₹1.5 Lakh deduction under Section 80C.

Yes. SIPs are fully flexible. You can pause, reduce, increase, or stop your SIP anytime without any penalty from the AMC.

A Step-up SIP lets you increase your monthly investment by a fixed % (e.g., 10%) every year, mirroring your salary growth and accelerating wealth creation dramatically.

Any date between 1st–7th of the month works well to align with salary credit. Long-term returns are not meaningfully different across dates.

Short-term, yes. But a diversified equity SIP held for 10+ years has historically never given negative returns in India. Time in market beats timing the market.

Most schemes allow SIP from ₹500/month. Some micro-SIP schemes start at ₹100. There is no maximum limit.

No. You can invest directly via AMC websites or platforms like Zerodha, Groww, or Paytm Money. Demat is only required for stock/ETF trading.

When NAV is low, your ₹10,000 buys more units. When NAV is high, it buys fewer. Over time, your average cost per unit is lower than the average NAV — reducing risk.

No investment is risk-free. SIPs in equity funds carry market risk but are safer than lumpsum investing during volatile periods due to cost averaging.

There is no maximum. SIPs running for 25–30 years harness maximum compounding, with returns often exceeding 10× the invested amount.

PPF gives ~7.1% tax-free returns with 15-year lock-in. Equity SIP can give 12–15% but with market risk. Best strategy: use both for balance.

For open-ended funds, yes. ELSS funds have a 3-year lock-in per installment. Index and large-cap SIPs offer full liquidity after exit load period (usually 1 year).

One missed payment won't cancel your SIP. Three consecutive misses may deactivate your bank mandate. Resume by updating your mandate with the AMC.

Look for consistent 5–10 year returns, expense ratio below 0.5% (for index funds), and fund manager track record. Diversify across Large-cap, Mid-cap, and Flexi-cap.

XIRR (Extended Internal Rate of Return) is the most accurate way to measure SIP returns as it accounts for the timing of each cash flow. Use our SIP calculator for XIRR estimates.

SIP is ideally suited for goals 5+ years away. For 1–3 year goals, consider debt funds or liquid mutual funds to reduce volatility risk.