Mutual Fund SIP Calculator
Calculate SIP returns by fund category. Compare Large-cap, Mid-cap, ELSS, Debt, and Index fund projections side by side.
What is a mutual fund? A mutual fund is a pooled investment that collects money from many investors and buys a diversified portfolio of stocks, bonds, or other assets managed by a professional fund manager. Bottom line: this free mutual fund calculator estimates SIP returns by fund category and shows year-wise growth so you can compare large-cap, mid-cap, ELSS, debt, and index funds. It is built for first-time investors, SIP planners, and tax savers choosing a fund.
Select Fund Category (auto-fills typical return rate)
SIP Details
Fund Category Comparison — Same ₹5,000/mo for 10 Years
Year-wise Growth
| Year | Invested | Value | Gain | Multiplier |
|---|
How to Choose the Right Mutual Fund Category for SIP
Mutual funds in India are categorised by SEBI into equity, debt, hybrid, and other types. Each category has different risk/return profiles, making them suitable for different investment goals and time horizons.
Equity Fund Categories
- Large-Cap: Top 100 companies by market cap. Lower volatility, ~11–13% 10-yr CAGR. Best for conservative equity investors.
- Mid-Cap: 101–250 companies. Higher growth potential, ~14–17% 10-yr CAGR, significant volatility. Ideal for 7–10+ year horizon.
- Small-Cap: Below 251st company. Highest growth and highest risk. ~15–20% in bull markets, can drop 50%+ in downturns. Only for 10+ year horizon.
- Flexi-Cap/Multi-Cap: Fund manager allocates across market caps dynamically. Good all-weather choice. ~13–15% historical CAGR.
- Index Funds (Nifty 50): Low-cost passive investing. ~12–13% long-term CAGR. Expense ratio typically 0.1–0.2% vs 1–2% for active funds.
Tax-Saving Options
- ELSS (Equity Linked Savings Scheme): 3-year lock-in, Section 80C deduction (up to ₹1.5L). Returns ~12–16%. Best tax-saving investment option with shortest lock-in among 80C choices.
Hybrid and Debt Funds
- Balanced Hybrid: 40–60% equity + 40–60% debt. Lower volatility than pure equity. ~9–11% CAGR. Good for medium-term goals.
- Debt Funds: Invest in bonds, government securities, money market. ~6–8% return, very low risk. Returns are now taxed at income tax slab rate (no indexation from FY24).
The Power of Staying Invested
Worked example: a ₹5,000/month SIP at 13% for 10 years grows to about ₹12L (₹6L invested). The same SIP for 20 years grows to about ₹60L (₹12L invested) — not 2× but roughly 5× more from doubling the duration. This is why starting early is the most powerful decision in mutual fund investing, and every 5-year delay roughly halves the final corpus.
For official fund data, scheme categories, and taxation rules, refer to the Association of Mutual Funds in India (AMFI) and the market regulator SEBI.
Mutual Fund Calculator — SIP, Lumpsum & SWP
This free mutual fund calculator works as a complete mutual fund return calculator, helping you project growth from SIPs, lumpsum investments, and withdrawals. Whether you use a monthly SIP calculator or a one-time lumpsum calculator, you get instant, accurate estimates of your final corpus.
SBI SIP Calculator & SBI Mutual Fund Calculator
Planning with an SBI SIP calculator or SBI Mutual Fund calculator? The underlying math is identical across every fund house, so this universal tool projects returns for SBI and any other AMC in one place.
SIP Return Calculator & Monthly SIP Calculator
Use the SIP return calculator to see how a monthly SIP calculator grows your wealth over time. It handles a plain SIP calculator without step-up as well as step-up plans, so you can compare both approaches side by side.
Step-Up SIP Calculator with Table & Yearly Chart
This Step-up SIP calculator with table and Step-up SIP calculator with yearly chart breaks your corpus down year by year. The Step-up SIP calculator with yearly amount view shows each annual increase clearly, and it also serves as a ready Step up SIP Calculator with amount Excel replacement.
Step Down SIP Calculator & Lumpsum Calculator
Beyond growth, a step down SIP calculator models gradually reducing contributions, while the lumpsum calculator projects one-time investments. Together with a SWP calculator, they cover your full investment journey from building wealth to drawing income.
SWP Calculator for Retirement Income
Pair your mutual fund investments with a SWP calculator to plan a steady monthly income in retirement. It shows how long your corpus lasts while the remaining balance keeps earning market-linked returns.
Frequently Asked Questions
What is expense ratio and does it matter?
Direct answer: Expense ratio is the annual fee charged by the fund house (0.1–2.5%). On a ₹10L corpus, a 1% difference costs ₹10,000/year. Over 20 years, a fund with 0.1% ER versus 1.5% ER can leave 20–30% less final corpus. Prefer low-expense index funds or direct plans.
Direct vs Regular mutual fund plans — which is better?
Direct answer: Direct plans cut out the distributor and have lower expense ratios (typically 0.5–1.5% lower). On a 20-year SIP, direct plans can give 10–20% higher final corpus than regular plans. Invest via direct plans through AMFI-registered advisors or fund house websites.
What is NAV and how does SIP calculate returns?
Direct answer: NAV (Net Asset Value) is the per-unit price of a mutual fund. Each month's SIP purchases units at the current NAV. Total value = units held × current NAV. Returns are measured as XIRR on the cash flows of each SIP installment to the final value.
Can I stop SIP anytime?
Direct answer: Yes, except ELSS which has a 3-year lock-in per installment. Regular equity or debt SIPs can be paused or stopped anytime. The invested corpus keeps earning returns until you redeem, with no penalty for stopping early.