Mutual Fund SIP Calculator — Calculate Your MF Returns
Calculate returns on your mutual fund SIP. Whether equity, debt, or hybrid — see how your monthly investment compounds into significant wealth over time.
Calculator Inputs
Total Value
Invested Amount₹6.00 L
Est. Returns₹5.62 L
Total Value
₹11.62 L
▲6.83% CAGR
Frequently Asked Questions
A mutual fund SIP is a Systematic Investment Plan where a fixed amount is invested regularly (usually monthly) in a mutual fund scheme. It is one of the most popular ways to invest in mutual funds in India.
Historically, small-cap and mid-cap equity funds have delivered the highest long-term returns (15–18% CAGR over 10+ years), followed by large-cap funds (10–13%). Returns are not guaranteed and past performance may not repeat.
Most mutual funds allow SIP with a minimum of ₹100 to ₹500 per month, depending on the fund house. Some DSPs allow ₹100, most AMCs allow ₹500.
Mutual fund SIP returns are calculated using the formula: M × [((1 + r)^n – 1) / r] × (1 + r). CAGR is used to express annualized return on SIPs.
Yes. For equity mutual funds, STCG (held < 1 year) is taxed at 20%; LTCG (held > 1 year) above ₹1.25 lakh is taxed at 12.5%. Each SIP installment has its own holding period for tax purposes.