📈 Calculadora SIP
FreeCalcule el importe de vencimiento de SIP, los rendimientos y el crecimiento del patrimonio a lo largo del tiempo. Calculadora SIP gratuita con desgloses anuales.
Calculadora de SIP
Calcule el importe de vencimiento de SIP, los rendimientos y el crecimiento del patrimonio a lo largo del tiempo. Calculadora SIP gratuita con desgloses anuales.
Formula Used
M = P × [((1 + r)^n - 1) / r] × (1 + r) where P=Monthly SIP, r=Monthly rate, n=Tenure in months
Understanding Systematic Investment Plans (SIP)
A Systematic Investment Plan (SIP) is an investment vehicle offered by mutual funds, allowing investors to invest small amounts periodically (monthly, quarterly, or weekly) instead of making heavy one-time lumpsum payments. It works on the principle of financial discipline and dollar/rupee cost averaging.
One of the major benefits of SIP is Rupee Cost Averaging. Since you invest a fixed amount regularly, you automatically buy more mutual fund units when market prices are low, and fewer units when prices are high. Over the long term, this lowers your average cost per unit and mitigates the risks associated with volatile stock markets.
SIPs also harness the Power of Compounding. When you invest consistently, the returns earned on your investments are reinvested back, generating further returns. Over a 10, 15, or 20-year horizon, compounding can dramatically multiply a small monthly contribution into a substantial wealth corpus for retirement, education, or home purchases.
Disclaimer: Mutual fund investments are subject to market risks. Please read all scheme-related documents carefully before investing. Historical returns are not indicative of future performance.
Preguntas frecuentes
What is the minimum amount needed to start a SIP?
Most mutual fund schemes allow investors to start a monthly SIP with as little as ₹100 to ₹500. This makes SIPs accessible to students, salaried professionals, and beginners alike.
Can I stop or pause my SIP at any time?
Yes. You have complete flexibility to pause, modify, or stop your SIP whenever you wish. There are no penalty charges or lock-in fees levied by mutual funds for stopping an active SIP.
What is the difference between SIP and Lumpsum?
SIP involves investing a fixed sum at regular intervals, which averages purchase costs and reduces timing risk. Lumpsum involves investing a large, one-time amount, which is highly dependent on entering the market at the right time.
Are SIP returns taxable in India?
Yes, taxation depends on the mutual fund type. Equity fund returns are subject to Short Term Capital Gains (STCG) tax of 20% if redeemed within 1 year, and Long Term Capital Gains (LTCG) tax of 12.5% on gains exceeding ₹1.25 Lakh per year if held longer.