📈 Calculate SIP Returns
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Open SIP Calculator →What is SIP?
SIP (Systematic Investment Plan) is a method of investing a fixed amount in a mutual fund at regular intervals — usually monthly. It is the most recommended way for salaried Indians to build long-term wealth, starting with as little as Rs.100/month.
💡 Power of SIP: Rs.5,000/month at 12% for 20 years = Rs.49.96 lakh invested → Rs.1.79 crore corpus. Pure compounding magic.
SIP Return Formula
Maturity = P × [(1 + r)^n − 1] ÷ r × (1 + r)
P = Monthly SIP | r = Monthly return rate | n = Months
P = Monthly SIP | r = Monthly return rate | n = Months
Real SIP Return Examples (Historical)
| Monthly SIP | Duration | Expected Rate | Maturity |
|---|---|---|---|
| Rs.5,000 | 10 years | 12% | Rs.11.6 lakh |
| Rs.5,000 | 20 years | 12% | Rs.49.9 lakh |
| Rs.10,000 | 15 years | 14% | Rs.61.0 lakh |
| Rs.20,000 | 25 years | 12% | Rs.3.79 crore |
Why Step-Up SIP Beats Regular SIP
If you increase your SIP by 10% every year (matching salary hikes), the results are dramatically better:
- Regular Rs.5,000 SIP at 12% for 20 years → Rs.49.9 lakh
- Step-Up SIP (10% annual increase) same base → Rs.1.3 crore — 2.6x more!
Best Fund Categories for SIP 2026
- Large Cap Index Funds — Lowest risk, tracks Nifty/Sensex. Best for beginners.
- Flexi Cap Funds — Fund manager picks across market caps. Good for 7-10 year horizon.
- Mid Cap Funds — Higher return potential, more volatility. For 10+ year horizon.
- ELSS Funds — Tax saving under 80C + equity returns. 3-year lock-in only.
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