Free Online Calculator
📈 SIP Calculator India
Free SIP calculator for Bank of India, SBI, HDFC, Nippon India, HSBC, and all Indian mutual funds. Calculate returns, plan ₹1 crore, retirement, or home down payment.
Enter your SIP details
Monthly Investment₹5,000
Expected Annual Returns12%
Investment Duration10 years
Or enter directly:
Amount (₹)
Return %
Years
💡 Historical returns: Large-cap funds ~11–13%, Mid-cap ~13–16%, ELSS ~12–14%. Past returns do not guarantee future performance.
Total Corpus at Maturity
₹11,61,695
Total Invested₹6,00,000
Estimated Returns₹5,61,695
Wealth Ratio1.94x
CAGR12.0%
Inflation-adjusted value
₹8,94,213
At 3% annual inflation
Works for all fund houses
SIP Calculator for Every Indian Bank & Fund House
This SIP calculator works identically for Bank of India SIP, State Bank of India SIP, HDFC SIP, Nippon India SIP, HSBC India SIP, ICICI Prudential SIP, Mirae Asset, Parag Parikh, or any other AMFI-registered fund. The calculation formula is universal — only the expected return rate differs.
Bank of India SIP Calculator
BOI Star MF offers equity, debt, and hybrid funds. Expected returns: Equity 11–13%, Debt 7–8%. Enter the BOI fund historical return in the rate field.
State Bank of India SIP Calculator
SBI Mutual Fund (SBI MF) is India largest AMC. SBI Bluechip, SBI Small Cap historical returns: 12–16% CAGR over 5 years.
Nippon India SIP Calculator
Nippon India (formerly Reliance MF) offers popular small cap and ETF funds. Nippon Small Cap historical CAGR: 25%+ over 5 years.
HSBC India SIP Calculator
HSBC Mutual Fund offers actively managed equity and debt funds. Use 10–12% as conservative equity return estimate for HSBC funds.
SIP Compound Interest Calculator
SIP uses compound interest with monthly compounding. Formula: FV = P × [((1+r)ⁿ - 1) / r] × (1+r). This calculator applies it automatically.
Step Up SIP Calculator
Increase your SIP amount by 10% every year to dramatically grow your corpus. A ₹5,000 SIP with 10% annual step-up becomes equivalent to ₹12,969 in 10 years.
SIP Calculator — Frequently Asked Questions
What is SIP? +
SIP (Systematic Investment Plan) is a method to invest a fixed amount in a mutual fund at regular intervals — usually monthly. Instead of investing a lump sum, you invest ₹1,000–₹50,000 every month, which averages out market highs and lows (rupee cost averaging).
What return rate should I use for SIP calculation? +
For large-cap equity funds, use 11–13% as a realistic long-term expectation. For mid-cap funds, 13–16%. For debt funds, 7–8%. ELSS (tax-saving) funds historically return 12–14%. Always use conservative estimates for long-term planning.
Is SIP return calculation accurate? +
The calculator uses the standard SIP future value formula: FV = P × [((1+r)^n - 1)/r] × (1+r), where P is monthly investment, r is monthly return rate, and n is number of months. This assumes consistent monthly investment and a fixed return rate — actual returns will vary.
What is the minimum SIP amount in India? +
Most mutual fund houses allow SIP starting from ₹500/month. Some (like Zerodha Coin, Groww) allow ₹100/month for select funds. The sweet spot for meaningful returns is ₹1,000–₹5,000/month for beginners.
Can I pause my SIP? +
Yes. Most AMCs and platforms allow you to pause SIP for 1–3 months without penalty. However, missing months reduces your final corpus proportionally. It is better to reduce the amount than pause entirely.
Related Calculators