SIP Calculator India 2025 (Mutual Fund Return Estimator)
Calculate the future wealth value of your Systematic Investment Plan (SIP) in Indian equity mutual funds. Calculate total invested capital, estimated capital gain, and expected maturity corpus based on monthly contribution and CAGR return rate.
Official SIP Compounding Formula
M = P × [((1 + i)^n - 1) / i] × (1 + i)- 📌 M: Final maturity amount collected at the end of investment horizon.
- 📌 P: Monthly SIP installment amount (e.g., ₹5,000/month).
- 📌 i: Monthly rate of return =
(Expected Annual CAGR % / 12 / 100) - 📌 n: Total number of SIP monthly installments =
Tenure Years × 12
Power of Compounding: Wealth Corpus Table
See how a monthly SIP of ₹10,000 grows over time assuming a modest 13% CAGR return:
| Tenure | Total Invested Amount | Estimated Returns (13% CAGR) | Total Expected Corpus Value |
|---|---|---|---|
| 5 Years | ₹6,000,00 | ₹2,44,705 | ₹8,44,705 |
| 10 Years | ₹12,00,000 | ₹12,25,972 | ₹24,25,972 |
| 15 Years | ₹18,00,000 | ₹35,97,088 | ₹53,97,088 |
| 20 Years | ₹24,00,000 | ₹88,71,283 | ₹1,12,71,283 |
Frequently Asked Questions (FAQs)
What average return rate should I assume for SIP in India?
For long-term equity mutual funds in India (7-10+ years), Large Cap funds historically return 12-14%, Mid Cap funds return 14-16%, and Small Cap funds return 16-18% compound annual growth rate (CAGR).
What is the difference between SIP and Lumpsum investment?
SIP (Systematic Investment Plan) allows investing small fixed amounts monthly to average out market volatility (rupee cost averaging). Lumpsum involves depositing a large single amount upfront.
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