SIP Calculator
Calculate the future value of your Systematic Investment Plan or lump-sum mutual fund investment.
₹
₹500₹1L
%
4%30%
yrs
1 yr40 yrs
How SIP Returns Are Calculated
SIP returns use the Future Value of Annuity formula. Each monthly instalment earns compounded returns for the remaining period. This is why starting early makes a dramatic difference.
Historical SIP Returns by Category
| Fund Category | 5-Year CAGR | 10-Year CAGR |
|---|---|---|
| Large Cap | ~14% | ~13% |
| Flexi Cap | ~17% | ~14% |
| Mid Cap | ~21% | ~18% |
| Small Cap | ~26% | ~20% |
| Debt (Short) | ~6.5% | ~7% |
What is a good SIP amount to start with? ▼
There's no universal answer — start with what you can consistently afford. Even ₹500/month in a good index fund grows to ~₹11 lakhs in 20 years at 12% CAGR. Consistency matters more than the amount.
Are SIP returns taxed in India? ▼
Yes. Equity fund gains held over 1 year are LTCG taxed at 12.5% above ₹1.25L per year. Short-term gains are taxed at 20%. Debt fund gains are added to income and taxed at your slab rate.