What is a realistic expected return for SIP in India?

A common planning approach is to use a conservative long-term return assumption rather than the highest past return. Many investors use a lower expected return for debt funds than for equity funds and keep the assumption modest to avoid overstating the projected corpus.

Does SIP guarantee returns?

No. SIP is a method of investing, not a guaranteed return product. Returns depend entirely on the performance of the underlying mutual fund and its NAV. Equity SIPs can show negative returns in the short term during market downturns. Historically, equity SIPs have delivered positive returns over periods of 7 years or more, but past performance is not a guarantee of future returns.

Can I change my SIP amount midway?

Yes. Most mutual funds allow you to step up, pause, or modify your SIP amount. Many fund houses offer an auto step-up feature that increases your SIP by a fixed percentage (e.g. 10%) annually, which significantly improves your long-term corpus without requiring manual changes. A ₹5,000 SIP stepped up by 10% each year for 10 years generates a corpus roughly 1.6× larger than a flat ₹5,000 SIP.

What is the minimum SIP amount in India?

Many mutual funds allow SIPs starting from ₹100 or ₹500 per month. Some schemes, especially tax-saving or specific category funds, can have a higher minimum. There is generally no fixed regulatory maximum SIP amount, but the actual minimum is scheme-specific.

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SIP Calculator — Monthly Investment Planner

Calculate your mutual fund SIP corpus. See total invested amount, estimated returns, and maturity value with a year-by-year growth chart.

Monthly SIP Amount

Expected Annual Return (0 allowed)

Investment Duration (years, max 50)

Total Invested

₹0

Estimated Returns

₹0

Maturity Value

₹0

Year-by-Year Growth

Amount Invested

Estimated Returns

Start your SIP today:

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SIP returns shown are illustrative based on a fixed assumed rate. Actual mutual fund returns vary and are not guaranteed. Mutual fund investments are subject to market risks. Read all scheme related documents carefully.

What is a SIP?

A Systematic Investment Plan (SIP) is a method of investing a fixed amount in a mutual fund at regular intervals, typically monthly. SIPs are regulated by AMFI and SEBI in India and are the most popular way for retail investors to participate in equity markets. The power of SIP comes from rupee cost averaging — you buy more units when NAV is low and fewer when NAV is high — and from compounding returns over time.

This monthly sip returns calculator shows you the long-term impact of consistent investing using the standard SIP compounding formula used by all AMFI-registered mutual funds.

How to Use This SIP Calculator

Enter your monthly SIP amount, the expected annual return percentage, and the investment duration in years. Click Calculate to see your total invested amount, estimated returns, and final maturity value, along with a chart showing the year-by-year split between capital invested and wealth gained.

Monthly SIP Amount: The fixed amount you invest each month (e.g. ₹5,000).
Expected Annual Return: The assumed annual return. Use 10–12% for equity funds as a planning assumption. Actual returns will vary.
Duration: Number of years you plan to continue the SIP (1 to 50 years).

SIP Returns Formula

M = P × [ (1 + r)ⁿ − 1 ] ÷ r × (1 + r) // Where: M = Maturity value (corpus at end of SIP tenure) P = Monthly SIP instalment amount r = Monthly interest rate = Annual Rate ÷ 12 n = Total number of months = Years × 12 // Example: ₹5,000/month, 12% per year, 10 years r = 12% ÷ 12 = 1% per month = 0.01 n = 10 × 12 = 120 months M = 5000 × [(1.01)¹²⁰ − 1] ÷ 0.01 × 1.01 M = ₹11,61,695 (approx)

Example Calculation

Monthly SIP: ₹5,000 | Expected return: 12% per year | Duration: 10 years

Total amount invested = ₹5,000 × 120 months = ₹6,00,000

Estimated returns = ₹5,61,695

Maturity value = ₹11,61,695

Wealth multiplier = 1.94× (nearly doubled your invested capital)

SEBI and AMFI Guidelines on Mutual Fund SIPs

All mutual funds in India are regulated by SEBI under the SEBI (Mutual Funds) Regulations, 1996. SIP returns shown in this calculator are illustrative and based on a fixed assumed rate. Actual mutual fund returns vary based on market performance and are not guaranteed.

AMFI requires all fund houses to display the disclaimer "Mutual fund investments are subject to market risks, read all scheme related documents carefully" on all communications. The SIP maturity calculator on this page is for financial planning purposes only and does not constitute investment advice.

Frequently Asked Questions

A common planning approach is to use a conservative long-term return assumption rather than the highest past return. Many investors use a lower expected return for debt funds than for equity funds and keep the assumption modest to avoid overstating the projected corpus.
No. SIP is a method of investing, not a guaranteed return product. Returns depend entirely on the performance of the underlying mutual fund and its NAV. Equity SIPs can show negative returns in the short term during market downturns. Historically, equity SIPs have delivered positive returns over periods of 7 years or more, but past performance is not a guarantee of future returns.
Yes. Most mutual funds allow you to step up, pause, or modify your SIP amount. Many fund houses offer an auto step-up feature that increases your SIP by a fixed percentage (e.g. 10%) annually, which significantly improves your long-term corpus without requiring manual changes. A ₹5,000 SIP stepped up by 10% each year for 10 years generates a corpus roughly 1.6× larger than a flat ₹5,000 SIP.
Many mutual funds allow SIPs starting from ₹100 or ₹500 per month. Some schemes, especially tax-saving or specific category funds, can have a higher minimum. There is generally no fixed regulatory maximum SIP amount, but the actual minimum is scheme-specific.