Systematic Investment Plan returns — see how monthly contributions grow over time.
SIP Results
Invested vs Returns
A Systematic Investment Plan (SIP) lets you invest a fixed amount in mutual funds at regular intervals — typically monthly. It is the most popular form of mutual fund investing in India, with over ₹25,000 crore of SIP flows per month as of 2025.
When markets fall, your fixed SIP amount buys more units. When they rise, you buy fewer. Over time, this lowers your average cost per unit compared to investing a lump sum at a market peak. This automatic discipline removes the dangerous temptation to time the market.
SIP redemptions are taxed as capital gains. For equity mutual funds: gains on units held >12 months are Long-Term Capital Gains (LTCG) taxed at 12.5% (above ₹1.25L per year, post-Budget 2024). Gains on units held <12 months are Short-Term Capital Gains (STCG) taxed at 20% flat. Each SIP instalment has its own holding period clock.
Financial planners use the 50-30-20 rule: 50% of take-home on needs, 30% on wants, 20% on savings. Of that 20%, allocate at least half to equity SIPs for long-term wealth. Use the calculator above to reverse-engineer: enter your target corpus and years to find your required monthly SIP.
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Disclaimer: Results are for estimation purposes only and do not constitute professional financial, tax, or legal advice. Consult a qualified CA or financial advisor before making decisions. Talk to the firm's office