Calculate how your monthly SIP grows over time. Visualize invested amount vs returns.
| Year | Invested | Returns | Total Value |
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SIP (Systematic Investment Plan) lets you invest a fixed amount in mutual funds every month. Instead of investing a large lump sum, you invest small amounts regularly — as low as ₹500/month. Over time, compounding and rupee cost averaging make this one of the most effective ways to build wealth.
Power of Compounding: ₹5,000/month at 12% for 20 years = ₹49.9 lakhs total corpus from just ₹12 lakhs invested. Your money nearly 4x.
Rupee Cost Averaging: When markets fall, your fixed SIP buys more units. When markets rise, your units are worth more. Over time this averages your cost and reduces risk.
Tax on SIP Returns: Equity mutual fund gains held over 1 year are taxed at 10% LTCG above ₹1 lakh/year. Debt fund gains are added to income and taxed at slab rate.