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SIP कैलकुलेटर

म्यूचुअल फंड में मासिक SIP का भविष्य मूल्य निकालें — कुल निवेश, अनुमानित रिटर्न और मैच्योरिटी मूल्य।

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SIP कैलकुलेटर कैसे काम करता है

A Systematic Investment Plan (SIP) invests a fixed amount every month. Because each instalment compounds for a different length of time, the final value grows faster than simple addition suggests.

Formula: FV = P × [((1 + r)ⁿ − 1) ÷ r] × (1 + r), where P is the monthly amount, r is the monthly rate (annual rate ÷ 12 ÷ 100) and n is the number of months.

Equity mutual fund returns are not fixed. Use a conservative expected return and review your plan every year.

सवाल-जवाब

What return should I assume for a SIP?

There is no fixed return. Many planners test 10–12% for diversified equity funds over long periods and also check a lower figure such as 8% to see the downside.

Is SIP better than lumpsum?

SIP spreads your purchases over time (rupee-cost averaging) and suits monthly income. Lumpsum can grow more if markets rise steadily, but carries higher timing risk.

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