Enter your SIP details - type a value or drag the slider
Maturity amount
₹23.23 L
your total corpus
Total invested
₹12.00 L
what you put in
Wealth gained
₹11.23 L
93.6% profit
🏆
You'll become a crorepati in 21 years!
At ₹10,000/month with 12% returns, your SIP will cross ₹1 crore in approximately 21 years. Increase your tenure or SIP amount to reach it sooner.
Corpus growth — year by year
CorpusInvested
Yr 1Yr 2Yr 3Yr 4Yr 5Yr 6Yr 7Yr 8Yr 9Yr 10
SIP or lumpsum — which is better for you?
Enter your numbers and get a live side-by-side comparison
What return % should you use?
| Fund category | Conservative | Realistic | Optimistic |
|---|
| Large-cap equity | 10% | 12% | 14% |
| Multi/flexi-cap | 11% | 13% | 15% |
| Mid-cap equity | 13% | 15% | 18% |
| Small-cap equity | 14% | 16% | 20% |
| Index funds | 10% | 12% | 14% |
| ELSS (tax-saving) | 11% | 13% | 16% |
| Debt/liquid funds | 6% | 7% | 8% |
Use conservative estimates for planning. Actual returns vary year to year - some years may even be negative. Long-term averages smooth out the volatility.
Formula used
M = P × {[(1 + r)ⁿ − 1] ÷ r} × (1 + r)
M = Maturity amount
P = Monthly SIP amount
r = Monthly rate (Annual rate ÷ 12 ÷ 100)
n = Total months (Years × 12)
Example: ₹10,000/month at 12% for 10 years
r = 12 ÷ 12 ÷ 100 = 0.01 | n = 10 × 12 = 120
M = ₹10,000 × [(1.01¹²⁰ − 1) ÷ 0.01] × 1.01
M = ₹23,23,391
What is a SIP? Complete Guide for Indian Investors
A Systematic Investment Plan (SIP) is a method of investing a fixed amount in a mutual fund at regular intervals — typically monthly. Instead of putting in a large lumpsum at once, you invest small amounts consistently, letting the power of compounding and rupee-cost averaging build significant wealth over time.
SIPs are the most popular way to invest in mutual funds in India. Over 9 crore SIP accounts are currently active, with Indians collectively investing over ₹21,000 crore through SIPs every single month - a number that has grown more than 5× in the last decade.
The magic of compounding - why starting early changes everything
Consider Priya (25) and Rahul (35). Both invest ₹10,000/month at 12% annual return until age 60.
Priya — starts at 25
₹6.35 Cr
Invests for 35 years
Total put in: ₹42L
Rahul — starts at 35
₹1.89 Cr
Invests for 25 years
Total put in: ₹30L
The difference
Priya invests only ₹12 lakh more than Rahul (10 extra years × ₹10,000 × 12) but ends up with ₹4.46 crore more. That's the power of compounding. The earlier rupees have decades more to grow.
How much monthly SIP do you need to reach ₹1 crore?
| Your age now | Target: ₹1 Crore by | At return | Monthly SIP needed |
|---|
| 25 years | Age 45 (20 yrs) | 12% | ₹10,011 |
| 25 years | Age 55 (30 yrs) | 12% | ₹2,947 |
| 30 years | Age 50 (20 yrs) | 12% | ₹10,011 |
| 30 years | Age 60 (30 yrs) | 12% | ₹2,947 |
| 35 years | Age 55 (20 yrs) | 12% | ₹10,011 |
| 35 years | Age 60 (25 yrs) | 12% | ₹5,322 |
| 40 years | Age 60 (20 yrs) | 12% | ₹10,011 |
The most important takeaway
Starting SIP 10 years earlier can reduce the required monthly investment by 60–70% for the same target corpus. Time is your single most powerful asset. A ₹5,000 SIP started at 25 beats a ₹15,000 SIP started at 35 - by a wide margin.
What is rupee-cost averaging - and why SIP uses it
When you invest a fixed amount every month, the number of units you buy varies based on the NAV (price) of the fund. When the market is down and NAV is low, your ₹10,000 buys more units. When the market is high and NAV is high, your ₹10,000 buys fewer units. Over time, this averages out your purchase cost - you automatically buy more when things are cheap.
| Month | NAV (price per unit) | SIP amount | Units bought |
|---|
| Jan | ₹100 | ₹10,000 | 100.00 |
| Feb | ₹80 | ₹10,000 | 125.00 |
| Mar | ₹60 | ₹10,000 | 166.67 |
| Apr | ₹90 | ₹10,000 | 111.11 |
| May | ₹110 | ₹10,000 | 90.91 |
| Jun | ₹100 | ₹10,000 | 100.00 |
| Total invested | ₹60,000 | 693.69 units |
Average buy price: ₹60,000 ÷ 693.69 units = ₹86.49/unit - even though the NAV started and ended at ₹100. SIP automatically bought more units when prices fell.
SIP vs Lumpsum - when does each strategy win?
✓ Choose SIP when...
You're salaried with monthly income
Market is volatile or direction unclear
You're investing for 5+ years
You're a first-time or cautious investor
You want automatic, hands-off investing
You tend to procrastinate lumpsum investing
✓ Choose Lumpsum when...
You received a large bonus or inheritance
Market has just corrected 20%+ from peak
You're investing in debt/liquid funds
You have high risk tolerance & experience
Bull market is clearly in its early stages
Investment period is short (1–3 years)
Frequently asked questions about SIP
Can I stop or pause my SIP at any time?▼
Yes, completely. Equity mutual fund SIPs can be paused or stopped at any time with no penalty or exit fee. Simply submit a stop/pause request through your fund house's app, website, or your broker platform. The units you've already accumulated remain invested and continue to grow. Most fund houses allow you to pause for 1–3 months if you're going through a temporary cash crunch, after which the SIP resumes automatically.
Is SIP return guaranteed? What if markets fall?▼
No, SIP returns are not guaranteed. They are market-linked and will vary year to year — some years may even show negative returns. However, over periods of 7+ years, well-chosen diversified equity mutual funds have historically delivered positive returns for almost all SIP investors due to rupee-cost averaging. The key is to not stop your SIP when markets fall — that's actually when you're buying units at the cheapest prices.
What is a step-up SIP and should I use one?▼
A step-up (or top-up) SIP automatically increases your monthly investment by a fixed amount or percentage every year — typically aligned with your annual salary increment. For example, starting at ₹5,000/month with a 10% annual step-up means you invest ₹5,500 in Year 2, ₹6,050 in Year 3, and so on. The compounding effect of step-up SIPs is dramatic: a flat ₹10,000 SIP at 12% for 20 years gives ₹99.9L; the same SIP with a 10% annual step-up gives ₹1.99 crore — nearly double.
How is SIP taxed in India?▼
For equity mutual funds (including ELSS): Units held over 12 months are taxed as Long-Term Capital Gains (LTCG) at 10% on gains above ₹1 lakh per financial year. Units held under 12 months are taxed as Short-Term Capital Gains (STCG) at 15%. For debt mutual funds: All gains (regardless of holding period) are now added to your total income and taxed at your applicable income tax slab rate. Note: Each SIP instalment starts its own holding period clock, so in a 10-year SIP, the last few instalments may still be short-term when you redeem.
What is ELSS and how is it different from regular SIP?▼
ELSS (Equity Linked Savings Scheme) is a type of equity mutual fund that qualifies for Section 80C tax deduction — up to ₹1.5 lakh per year. You can invest in ELSS via SIP, making it a tax-saving SIP. The key difference from regular equity SIPs: ELSS has a mandatory 3-year lock-in period per instalment (each SIP payment is locked for 3 years from its date of investment). Returns are market-linked, historically 10–15% annually over the long term. For someone in the 30% tax bracket, the effective return is boosted significantly by the ₹45,000 annual tax saving.
How do I choose the right mutual fund for my SIP?▼
For most first-time investors, a simple two-fund portfolio works well: a large-cap index fund (like Nifty 50 or Nifty Next 50) for stability, and a flexi-cap or mid-cap fund for growth. Avoid choosing funds based purely on recent 1-year returns — look at 5-year and 10-year CAGR, expense ratio (lower is better), and fund house reputation. Index funds from large AMCs like UTI, SBI, or HDFC with expense ratios below 0.2% are a reliable starting point. If you want tax saving, add an ELSS fund for your ₹1.5L 80C allocation.
What is the minimum SIP amount in India?▼
Most mutual funds allow SIPs starting at ₹500/month. Some funds (particularly ELSS and mid/small-cap funds) may have minimums of ₹1,000/month. There's no maximum limit. The important thing is consistency — a ₹1,000 SIP maintained for 30 years will build more wealth than a ₹10,000 SIP that gets stopped after 5 years.
