Investments
SIP Returns Calculator
See how your monthly SIP investment grows with compounding. Visualise year-by-year wealth accumulation.
Maturity Value
₹50,45,760
Total Invested
₹18.00 L
Est. Returns
₹32.46 L
Return Ratio
180%
Monthly SIP
₹10,000
Wealth growth over 15 years
Frequently asked questions
What is SIP and how does it work?
A Systematic Investment Plan (SIP) lets you invest a fixed amount in a mutual fund every month. Each instalment buys units at the current NAV. Over time, you accumulate more units and benefit from rupee cost averaging — buying more units when prices are low and fewer when prices are high.
Is 12% return realistic for an equity SIP?
The Nifty 50 index has delivered approximately 12–14% CAGR over long periods (10+ years). Individual fund returns vary. This calculator uses your expected rate as an estimate — actual returns depend on market conditions and the specific fund.
What is the minimum SIP amount?
Most mutual funds allow SIPs starting from ₹500 per month. Some funds allow ₹100. There is no maximum limit.
Can I stop or pause my SIP?
Yes — most platforms (Groww, Zerodha Coin, etc.) let you pause, modify, or stop a SIP anytime with no penalty. Your invested units remain in the fund and continue to grow.