SIP Calculator —
Mutual Fund Returns Estimator

SIP (Systematic Investment Plan) lets you invest a fixed amount monthly in mutual funds. It benefits from rupee cost averaging (buying more units when markets are low, fewer when high) and the power of compounding over time.

Indian equity mutual funds have historically delivered 12–15% CAGR over 10+ year periods. Use 10% for conservative planning, 12% for moderate, 15% for optimistic. Short-term returns are unpredictable — SIP is a long-term tool.

Step-up SIP increases your monthly investment by a fixed % each year. A 10% step-up on ₹5,000 = ₹5,500 in Year 2, ₹6,050 in Year 3, and so on. It aligns with annual salary hikes and dramatically boosts final corpus.

Equity fund gains held over 12 months: LTCG at 12.5% above ₹1.25L. Short-term (under 12 months): 20%. ELSS funds give Section 80C deduction with 3-year lock-in. Debt funds taxed per your income slab.