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🇮🇳 India · INR · Nifty 50 12%/yr

SIP Calculator India

Free SIP return calculator — compute maturity, plan goals & explore top mutual funds.

Maturity
₹11.62L
Returns
₹5.62L
Gain
+93.6%
Nifty 50
12%
FD Rate
7%
Inflation
6%
Your Rate
12%
Duration
10yr
Monthly
₹5.0K
SIP Details
Monthly Investment₹5,000
Annual Return %12%
Investment Period10 yrs
⚡ Inflation Adjusted
See purchasing power in today's money
🆚 Compare vs Lump Sum
Side-by-side SIP vs one-time
📊 India Benchmarks
Nifty 50~12%/yr
FD / Savings7%/yr
Avg Inflation6%/yr
Real Return~6.0%/yr
🌍 SIP By Country
Maturity Value
₹11.62L
₹11,61,695
Est. Returns
₹5.62L
+93.6% gain
Total Invested
₹6.00L
10yr total
📊 Investment Breakdown
GAIN94%
Invested
₹6.00L51.6%
Returns
₹5.62L48.4%
Total Maturity
₹11.62L
📈 Wealth Growth Over Time
Total
Invested
06L12LYr 1Yr 3Yr 5Yr 7Yr 9Yr 10
📋 Year-by-Year Breakdown
YearInvestedReturnsTotalGain %
Yr 1₹60.0K₹4.0K₹64.0K+6.7%
Yr 2₹1.20L₹16.2K₹1.36L+13.5%
Yr 3₹1.80L₹37.5K₹2.18L+20.9%
Yr 4₹2.40L₹69.2K₹3.09L+28.8%
Yr 5₹3.00L₹1.12L₹4.12L+37.5%
Yr 6₹3.60L₹1.69L₹5.29L+46.9%
Yr 7₹4.20L₹2.40L₹6.60L+57.1%
Yr 8₹4.80L₹3.28L₹8.08L+68.3%
Yr 9₹5.40L₹4.34L₹9.74L+80.4%
Yr 10₹6.00L₹5.62L₹11.62L+93.6%

🏆 Best Mutual Funds — India

SIP projection: ₹5.0K/mo, at 12% for 10yr

FundCategoryRisk1Y3Y5YSIP 10yr
Quant Active Fund
★★★★★
Multi CapHigh+41.2%+33.5%+35.8%
₹57.03L
+851%
★★★★★
Nippon India Small Cap
★★★★★
Small CapHigh+38.9%+30.2%+32.1%
₹43.67L
+628%
★★★★★
Axis Small Cap Fund
★★★★
Small CapHigh+34.6%+26.1%+29.3%
₹35.83L
+497%
★★★★
HDFC Mid-Cap Opportunities
★★★★★
Mid CapHigh+31.2%+24.8%+25.6%
₹27.75L
+362%
★★★★★
Kotak Emerging Equity
★★★★
Mid CapHigh+29.8%+22.6%+24.1%
₹25.07L
+318%
★★★★
DSP Midcap Fund
★★★☆☆
Mid CapHigh+26.7%+21.4%+23.0%
₹23.29L
+288%
★★★☆☆

⚠️ Past returns ≠ future results. Consult a SEBI-registered advisor.

Frequently Asked Questions

What is a SIP Calculator?

Computes how a fixed monthly investment grows via compound interest: FV = P × ((1+r)^n − 1)/r × (1+r). Enter amount, rate, and years — get instant maturity value.

How much does ₹5,000/mo SIP give in 10 years?

At 12% annual return — ₹11.62L maturity on ₹6.00L invested. That's 94% gain from compounding.

SIP vs Lump Sum — which is better?

SIP averages entry cost (rupee-cost averaging). Lump sum outperforms in consistently rising markets. Toggle Compare to see both simultaneously.

What does Goal Planner mode do?

Reverse-calculates the exact monthly SIP needed to reach your target amount in given years. Perfect for retirement, house down-payment, or education planning.

What is inflation-adjusted return?

At 6% inflation, your money loses purchasing power. Toggle Real Value to see what your corpus is worth in today's money, not just nominally.

Which mutual funds are best for SIP?

Index funds for low-risk, large-cap for moderate, mid/small-cap for higher long-term growth. See the ranked fund table above filtered by your preferred category.