A Systematic Investment Plan (SIP) is a method of investing in mutual funds where a fixed amount is invested regularly, usually monthly, to build long-term wealth.

How is SIP return calculated?

SIP returns are calculated using compound interest based on monthly investments, expected annual return rate, and total investment duration.

What is a good SIP amount per month?

You can start SIP with as low as ₹500 per month. The ideal SIP amount depends on your income, financial goals, and investment horizon.

Is SIP safe for beginners?

SIP is considered one of the safest ways to invest in mutual funds for beginners because it reduces market timing risk through regular investing.

Do I need a Demat account to start SIP?

Some mutual fund SIPs can be started without a Demat account, but having a Demat account allows you to invest and track investments easily on a single platform.

How long should I continue my SIP?

For best results, SIP investments should ideally be continued for at least 10 to 15 years to fully benefit from long-term compounding.

Is SIP taxable in India?

SIP investments in equity mutual funds are subject to capital gains tax. Long-term gains above ₹1 lakh are taxed at 10% in India.

SIP कैलकुलेटर क्या है?

SIP कैलकुलेटर एक ऑनलाइन टूल है जिससे आप मासिक निवेश, अनुमानित रिटर्न और समय के आधार पर SIP की मैच्योरिटी वैल्यू जान सकते हैं।

भारत में SIP कैसे काम करता है?

भारत में SIP के माध्यम से निवेशक हर महीने एक निश्चित राशि म्यूचुअल फंड में निवेश करते हैं, जिससे लंबी अवधि में कंपाउंडिंग का लाभ मिलता है।

SIP Calculator Online – Systematic Investment Plan Calculator SIP कैलकुलेटर – निवेश से रिटर्न कैसे बढ़ाएं

Calculate SIP returns, maturity value, and long-term wealth creation using monthly investments.

यह SIP कैलकुलेटर आपको म्यूचुअल फंड SIP निवेश से मिलने वाले रिटर्न और मैच्योरिटी वैल्यू की गणना करने में मदद करता है।

Enter Your Investment Details

Investment Amount (₹)

Expected Return (% p.a.) Time Period (Years)

Total Invested

₹ 0

Returns

₹ 0

Maturity Value

₹ 0

🇮🇳 Tax Impact (Equity SIP)

Taxable Gain: ₹ 0

LTCG Tax (10%): ₹ 0

Post-Tax Value: ₹ 0

SIP is best for disciplined long-term investing.

🎯 Goal SIP – ₹1 Crore

Target Amount (₹) Time Period (Years) Expected Return (% p.a.)

Monthly SIP Required: ₹ 0

🚀 Your SIP can grow to ₹ 0

Start your SIP today to stay disciplined and benefit from long-term compounding.

👉 Start SIP on Zerodha (Free Account)

Disclosure: We may earn a commission if you sign up, at no extra cost to you.

What is SIP (Systematic Investment Plan)?

SIP, or Systematic Investment Plan, is one of the most trusted and popular ways to invest in mutual funds. Instead of investing a large amount at once, SIP lets you invest a fixed amount every month. This helps reduce market risk and allows your money to grow consistently through compounding.

SIP क्या है? (SIP in Hindi)

SIP यानी Systematic Investment Plan एक ऐसी निवेश पद्धति है जिसमें आप हर महीने एक निश्चित राशि म्यूचुअल फंड में निवेश करते हैं। यह निवेश तरीका नए निवेशकों के लिए सुरक्षित और अनुशासित माना जाता है।

SIP Calculator for Monthly Investments in India

This SIP calculator helps Indian investors calculate monthly SIP returns with expected returns like 10%, 12%, or 15% annually.

Why Use This SIP Calculator?

✔ Calculate maturity amount
✔ Estimate long-term wealth
✔ Understand compounding benefits
✔ Helps in financial planning
✔ Free & easy to use

Formula Used in SIP Calculator

            Future Value = P × ( (1 + r)^n - 1 ) / r × (1 + r)

            P = Monthly SIP Amount  
            r = Monthly interest rate = (Annual Return ÷ 12 ÷ 100)  
            n = Number of months

Example SIP Calculation

If you invest ₹5,000 monthly for 10 years with 12% expected return:
Future Value ≈ ₹11.6 Lakhs
Total Invested = ₹6,00,000
Wealth Gained = ₹5,61,000

Benefits of Investing Through SIP

✔ Low monthly investment
✔ Reduces risk through rupee-cost averaging
✔ Power of long-term compounding
✔ Flexible—start or stop anytime
✔ Suitable for beginners and experts

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Frequently Asked Questions

1. Can SIP make you rich?

Yes! Consistent SIP investments for 10–20 years can create huge wealth due to compounding.

2. Is SIP safe?

SIPs are market-linked, but long-term investing reduces risk significantly.

3. What is the best duration for SIP?

Minimum 10 years is ideal for strong compounding benefits.

4. What is the minimum SIP amount?

You can start with as low as ₹500 per month.