SIP Calculator

A SIP lets you invest a fixed amount in a mutual fund at regular intervals, typically monthly. It averages out your purchase cost over market cycles through a strategy called rupee cost averaging, reducing the risk of investing a large sum at the wrong time.

Indian large-cap equity mutual funds have delivered 10–14% CAGR over 10+ year horizons historically. Use 10–11% for a conservative projection, 12% for a base case and 14% for an optimistic scenario. Past returns do not guarantee future performance.

At 12% annual return: a ₹5,000 monthly SIP for 10 years generates a corpus of approximately ₹11.6 lakh from a total investment of ₹6 lakh — a wealth gain of about ₹5.6 lakh. The exact figure depends on the actual returns delivered by the fund.

For salaried investors who save monthly, SIP is generally better because it removes the need to time the market and invests out of regular income. Lump sum can outperform in strong bull markets, but carries higher timing risk. SIP is recommended for most retail investors.

Yes. Most mutual fund SIPs can be paused or stopped at any time without any penalty. The money already invested stays in the fund and continues to earn returns until you choose to redeem it.