Calculator
Project what your monthly SIP investment could grow to over time, assuming a given rate of return.
Total Invested
₹6,00,000
Estimated Returns
₹5,61,695
Total Value
₹11,61,695
after 10 years
Total
₹11,61,695
A Systematic Investment Plan is a disciplined way to invest a fixed amount in a mutual fund every month. The plan auto-debits your bank account, buying units at whatever the Net Asset Value is that day — so you end up averaging your purchase price across market highs and lows. Over 10+ years, this rupee-cost averaging typically beats timing the market.
A lump-sum investment deploys all your capital at once and grows at the same rate as the market. It wins in a rising market because every rupee compounds from day one. A SIP wins when markets are volatile or falling — you keep buying more units at lower prices. For most Indian savers, a SIP is the practical choice because it matches salary cash flow and builds the savings habit.
A widely-used rule is 20% of monthly income into long-term equity SIPs for anyone under 35, tapering to 10% in pre-retirement years. At ₹50,000 salary that means ₹10,000/month; at ₹1 lakh salary, ₹20,000. Over 20 years at 12% CAGR, a ₹10,000 monthly SIP grows to roughly ₹1 crore.
Some credit cards credit SIP bill-pay spending at their accelerated rate — free 1–2% on your monthly investment. See our best cashback credit cards roundup for cards that reward bill payments.
Disclaimer: Mutual fund returns are subject to market risk. Past performance is not a guarantee of future returns. The assumed return rate is for illustrative purposes only.
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