Find out how your monthly SIP investment grows with the power of compounding. Used for mutual funds, ELSS, index funds.
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SIP (Systematic Investment Plan) lets you invest a fixed amount in mutual funds every month automatically. It uses rupee-cost averaging — you buy more units when markets are low and fewer when high — reducing risk over time.
M = P × {[(1 + i)^n – 1] / i} × (1 + i), where P = monthly investment, i = monthly rate (annual rate ÷ 12), n = total months.
SIP is better for salaried individuals investing monthly income. Lumpsum is better when you have a large amount ready (like a bonus or maturity amount) and markets are at a low point.
ELSS funds (tax saving under 80C, 3-year lock-in), Index funds (Nifty 50, Sensex), Flexicap funds, and Bluechip funds are among the most popular SIP vehicles. Historical 10-year SIP returns in Nifty 50 index funds have been 12–14% annually.
Q: What is the minimum SIP amount?
A: Most mutual funds allow SIP starting from ₹500/month. Some allow ₹100/month for micro-SIPs.
Q: Is SIP return taxable?
A: Yes. Equity fund gains held over 1 year attract 10% LTCG tax above ₹1 lakh. Short-term gains (under 1 year) attract 15% STCG tax.
Q: Can I stop or pause a SIP?
A: Yes. Most fund houses allow you to pause, reduce, or stop SIP anytime with no penalty.
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