SIP Calculator (Systematic Investment Plan)
Institutional-grade compound interest model to forecast monthly mutual fund investments, capital gains, and real purchasing power.
SIP Investment Parameters
Projected Maturity Wealth (15 Years)
₹₹79,41,220.81
Total Invested
₹₹27,00,000.00
34% of maturity
Estimated Wealth Gain
₹₹52,41,220.81
66% wealth created
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Explore Mutual Fund ScreenerMonthly SIP Future Value Formula
All calculations on InvestResearch India execute with 28-digit precision arithmetic via decimal.js, eliminating floating-point drift and adhering to statutory regulatory conventions.
Example: ₹15,000 Monthly SIP for 15 Years @ 12.5% CAGR
Monthly Investment: ₹15,00,000 | Expected Annual CAGR: 12.5% | Time Horizon: 15 Years (180 months)
1. Monthly rate i = 12.5% / 12 = 0.0104167 2. Compounding multiplier (1 + i)^180 = 6.4419 3. Principal Invested = 180 × ₹15,000 = ₹27,00,000 4. Future Value FV = 15,000 × [ (6.4419 - 1) / 0.0104167 ] × 1.0104167 = ₹79,15,487 5. Estimated Wealth Gain = ₹79,15,487 - ₹27,00,000 = ₹52,15,487
Statutory Tax Framework (Union Budget FY 2026–27)
Under Union Budget FY 2026-27, Long Term Capital Gains (LTCG) on equity mutual funds held for > 12 months are taxed at 12.5% for gains exceeding ₹1.25 Lakh per financial year (Section 112A). Short Term Capital Gains (STCG) are taxed at 20% (Section 111A).
Frequently Asked Questions
What is the expected long-term return rate for equity mutual fund SIPs in India?
Historically over 10 to 20 year rolling periods, diversified Indian equity mutual funds (Nifty 50, Nifty 500, Flexi-Cap) have delivered nominal annualised CAGR between 12% and 14%. While past performance is no guarantee of future returns, a baseline assumption of 12.0% is conventional for financial planning.
How does inflation impact my mutual fund SIP maturity corpus?
Inflation erodes nominal purchasing power. At a typical Indian consumer price inflation (CPI) rate of 5.5% to 6.0%, ₹1 Crore in 15 years will purchase what approximately ₹41.7 Lakhs purchases today. Our calculator provides an 'Adjust for Inflation' toggle so you can view purchasing power in present-day rupees.
Can I increase, pause, or withdraw my SIP amount anytime?
Yes. Mutual fund SIPs are non-binding. You can pause your SIP mandates via your AMC or RTA (CAMS/KFintech) without penalty, top-up your monthly amount using a Step-Up mandate, or redeem units anytime subject to exit loads (typically 1% if redeemed within 365 days) and capital gains tax.
How does SIP differ from a Lumpsum investment?
SIP averages your acquisition cost across market peaks and troughs (Rupee Cost Averaging), eliminating the psychological risk of timing the market. Lumpsum investing deploys entire capital upfront, which mathematically outperforms in a continuous bull market but bears sharp drawdown risk during market corrections.
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