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Frequently Asked Questions
SIP (Systematic Investment Plan) is a method of investing a fixed amount in mutual funds every month. Over time, your money grows through compounding. For example, investing ₹5,000/month at 12% annual return for 10 years gives you ₹11.6 lakhs on an investment of ₹6 lakhs.
SIP maturity value = P × ({[1 + i]^n - 1} / i) × (1 + i), where P is the monthly SIP amount, i is the monthly interest rate (annual rate ÷ 12 ÷ 100), and n is the total number of months.
Historically, equity mutual funds in India have given 10–15% annual returns over long periods. Large-cap funds average 10–12%, mid-cap funds 12–15%, and small-cap funds can go higher with more risk. 12% is commonly used as a benchmark for SIP calculations.
Invested amount is the total money you put in (monthly SIP × number of months). Maturity value is the final corpus including returns earned through compounding. The difference between them is your estimated profit (returns).
No. SIP calculator shows estimated returns based on the rate you enter. Actual mutual fund returns depend on market performance and are not guaranteed. The calculator is for planning purposes only.
Yes. Enter your monthly SIP amount, expected annual return rate, and investment duration in years or months. The calculator works for any duration from 1 month to 50 years.