Investment Details
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Investment Breakdown
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Invested 50%
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Year-by-Year Growth
How your corpus builds over time
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Year-by-Year Schedule
Cumulative corpus at end of each year
| Year | Monthly SIP | Invested | Returns | Corpus |
|---|
How is SIP Return Calculated?
SIP returns use the future value of a recurring investment formula, compounded monthly:
M = P × {[(1 + r)ⁿ − 1] / r} × (1 + r)
Where M is the maturity amount, P is the monthly SIP, r is the monthly rate (annual rate ÷ 12 ÷ 100), and n is total months. Returns shown are estimates — actual mutual fund returns vary.
SIP Example Calculations
₹5,000/mo · 12% · 10 yrs
₹11.62L
Invested ₹6L · Returns ₹5.62L
₹10,000/mo · 12% · 15 yrs
₹50.46L
Invested ₹18L · Returns ₹32.46L
₹20,000/mo · 12% · 20 yrs
₹1.98Cr
Invested ₹48L · Returns ₹1.50Cr
To reach ₹1 Crore in 15 yrs @ 12%
SIP needed: ~₹19,820/month
Why Start a SIP Early?
- →Power of compounding — the longer your investment stays, the faster your returns compound on top of each other. Starting 5 years earlier can nearly double your corpus.
- →Rupee cost averaging — investing a fixed amount monthly means you automatically buy more units when prices fall, lowering your average cost.
- →Discipline without effort — auto-debit SIPs remove the temptation to time the market or skip investing during volatile months.
- →Start small, grow big — ₹500/month at 12% for 20 years grows to over ₹4.9 lakh. Small amounts compounded over time create substantial wealth.
SIP vs Lumpsum — Which is Better?
SIP is better when…
You have regular monthly income, want to average out market volatility, are investing for the first time, or don't have a large lump sum ready.
Lumpsum is better when…
You have a large surplus (bonus, inheritance), markets are clearly undervalued, and you can stay invested for 5+ years without touching the money.
How Much SIP Do I Need for My Goal?
Pre-calculated monthly SIP amounts to reach popular wealth targets — at 10%, 12% and 15% annual returns
Monthly SIP needed to reach ₹1 Crore
| Tenure | At 10% p.a. | At 12% p.a. | At 15% p.a. |
|---|---|---|---|
| 10 years | ₹48,400 | ₹43,500 | ₹35,900 |
| 15 years | ₹23,930 | ₹19,820 | ₹14,780 |
| 20 years | ₹13,050 | ₹10,010 | ₹6,600 |
| 25 years | ₹7,470 | ₹5,270 | ₹3,030 |
Monthly SIP needed to reach ₹50 Lakhs
| Tenure | At 10% p.a. | At 12% p.a. | At 15% p.a. |
|---|---|---|---|
| 10 years | ₹24,200 | ₹21,750 | ₹17,950 |
| 15 years | ₹11,965 | ₹9,910 | ₹7,390 |
| 20 years | ₹6,525 | ₹5,005 | ₹3,300 |
| 25 years | ₹3,735 | ₹2,635 | ₹1,515 |
Monthly SIP needed to reach ₹2 Crore
| Tenure | At 10% p.a. | At 12% p.a. | At 15% p.a. |
|---|---|---|---|
| 15 years | ₹47,860 | ₹39,640 | ₹29,560 |
| 20 years | ₹26,100 | ₹20,020 | ₹13,200 |
| 25 years | ₹14,940 | ₹10,540 | ₹6,060 |
| 30 years | ₹8,880 | ₹5,760 | ₹2,940 |
* Calculated using the standard SIP future-value formula with monthly compounding. Actual mutual fund returns vary with market conditions.
Frequently Asked Questions
Common questions about SIP investments and our calculator
How much SIP do I need to get ₹1 crore?
At 12% p.a. return: to reach ₹1 crore in 10 years → ₹43,470/month; in 15 years → ₹19,820/month; in 20 years → ₹10,110/month. The longer you invest, the less you need to put in each month — compounding does the heavy lifting.
Is SIP better than FD for wealth creation?
For long-term wealth creation (7+ years), equity mutual fund SIPs have historically delivered 10–15% p.a., far exceeding FD rates of 6.5–7.5%. However, SIP returns are market-linked and not guaranteed. FDs are safer for short-term goals. Use SIP for long-term wealth, FD for capital protection.
What is a Step-up SIP and should I use it?
A step-up SIP increases your monthly investment by a fixed percentage every year (typically 10%). It aligns with your annual salary hikes and dramatically accelerates corpus growth. For example, ₹10,000/month SIP at 12% for 15 years gives ₹50.46L, but with 10% annual step-up, the corpus grows to ₹1.01 crore — nearly double! Highly recommended for salaried professionals.
What return rate should I use in the SIP calculator?
Use these benchmarks as a guide: 7% for debt funds / liquid funds; 10–11% for balanced/hybrid funds; 12% for large-cap equity (Nifty 50 historical average); 13–15% for mid-cap or flexi-cap funds; 15–18% for small-cap (high risk). For planning purposes, using 10–12% is conservative and reasonable.
Can I pause or stop a SIP anytime?
Yes. Unlike PPF or insurance, SIPs have no lock-in (except ELSS which has 3 years). You can pause, stop, or reduce your SIP anytime by notifying your AMC or through your MF platform. Your existing units continue to earn returns even after you stop the SIP. Missing a few months' SIP due to financial stress is perfectly fine — just don't withdraw prematurely.
Are SIP returns taxable in India?
Yes. For equity mutual funds: gains held for more than 1 year are Long Term Capital Gains (LTCG), taxed at 12.5% above ₹1.25L per year. Gains held for less than 1 year are STCG, taxed at 20%. For debt funds, gains are added to your income and taxed at your slab rate. ELSS funds held for 3+ years also attract 12.5% LTCG above ₹1.25L.
What is the minimum SIP amount in India?
Most AMCs allow SIPs starting at ₹100/month on platforms like Zerodha Coin, Groww, and Paytm Money. Some funds have a minimum of ₹500/month. There is no maximum limit on SIP investments. Starting with even ₹500/month is better than waiting — you can increase the amount later as your income grows.
How accurate is the BharatCalc SIP calculator?
BharatCalc uses the standard future-value SIP formula with monthly compounding — the same method used by AMFI, NSE, and most financial planning tools. Results are accurate estimates at a fixed assumed return rate. Actual mutual fund returns vary based on market conditions, fund manager performance, and economic cycles. Always use the calculator for planning, not as a guaranteed outcome.