SIP Calculator

Calculate the returns of your mutual fund SIP investment in just a few clicks.

Monthly SIP Amount

SIP Period

years

Expected Return Rate (p.a)

%

Investment

Estimated Returns

Invested amount

₹ 30,00,000

Estimated returns

₹ 39,66,432

Total value

₹ 69,66,432

Top Performing Mutual funds for SIP
Explore the top performers to make the right choice
Fund Name1Y Gains3Y Gains5Y GainsMin invt.
53.28%44.02%33.52%₹1000
38.44%32.5%27.41%₹1000
33.45%26.36%19.27%₹100
35.39%23.49%17.33%₹100

A SIP calculator estimates potential returns for mutual fund investments made through SIP. It allows you to calculate how much your investments might grow over time based on factors like the amount invested, duration, and expected rate of return.

The SIP return calculator works based on the compound interest formula. The SIP calculator does not provide clarification for the exit load and expense ratio (if any).

Here is how a SIP calculator formula exactly works:
F = P [ (1+i)^n-1 ] * (1+i)/i
where

F = Future value or the amount you get at maturity
P = Amount you invest through SIP
i = Compounded rate of return
n = Investment duration in months
r = Expected rate of return

For example, if you invest Rs. 5,000 per month for a period of 24 months.
You expect a 12% annual rate of return (r).
Then, you have i = r/100/12 or 0.01.

FV = 5000 * [(1+0.01) ^24 - 1] * (1+0.01)/0.01
= Rs. 1,36,216
Estimated returns = Rs. 16,216

The rate of interest on a SIP will differ according to market conditions, which may change the estimated returns.

The Kotak Securities SIP Calculator will show you the estimated returns on your investment and the total value of the investment after your investment period in seconds.

  1. Enter the monthly invested amount (the amount for which you have started the SIP)
  2. Enter the time period in which you want to stay invested.
  3. Then, enter the expected rate of return.

After all the input values, the calculator will show you the estimated amount you can avail after completing your investment tenure.

Some of the advantages of using the Kotak Securities Systematic Investment Plan Calculator are as follows:

  • A SIP calculator allows you to forecast returns and does goal-based planning for expenses like retirement, child's education, etc.
  • The projected returns demonstrate how monthly SIP investments can grow significantly over the long term due to compounding effects.
  • It shows how much wealth you can create through SIP investments over your entered years.
  • You can navigate around by changing monthly SIP amount, investment tenure, and expected returns to plan better.
  • The calculator output helps you determine the ideal monthly SIP amount to achieve your financial goals.
Watch and Learn
How to place SIP order on Kotak Neo App
Watch this step by step process on how you can easily place your SIP order through Kotak Neo App.

A SIP (Systematic Investment Plan) calculator is a tool that helps estimate potential returns from mutual fund investments made through SIPs. It calculates the projected value of investments based on parameters like investment amount, duration, and expected rate of return.

The SIP calculator uses inputs such as investment amount, duration, and expected return rate to compute the estimated future value of SIP investments. It calculates how regular investments can grow over time.

The goal of the SIP calculator is to assist investors in understanding how their regular investments through SIPs can accumulate wealth over time. It helps in setting realistic financial goals by projecting the potential returns.

SIP offers benefits such as disciplined investing, affordability with smaller amounts, rupee cost averaging, the power of compounding, and flexibility in investment frequency and amounts.

To start a SIP (Systematic Investment Plan), choose a mutual fund, decide on the investment amount and frequency, complete KYC requirements, fill out the SIP application form with relevant details, submit the form, and optionally set up an auto-debit mandate for seamless transactions.

To increase your SIP amount, fill out the SIP modification form with the new desired amount and submit it along with any required documents. Alternatively, if you manage your SIP online, you can usually adjust the amount through the fund house's website or mobile app. Ensure your bank account has sufficient funds for the increased SIP amount, and the updated amount will be automatically debited according to your chosen frequency. Regularly review and adjust your SIP contributions based on your financial goals and capacity.

To redeem your SIP amount, submit a redemption request to your mutual fund provider through their online portal, mobile app, or by contacting their customer service. Specify the number of units or the amount you want to redeem. The mutual fund house will process the request, and the redemption proceeds will be credited to your registered bank account.

If you miss your SIP date, the fund house doesn't penalise you for a missed instalment, and contrary to common misconceptions, there are no actions taken by the asset management company (AMC). However, banks may charge a fee for rejecting an Electronic Clearing Service (ECS) if the investor fails to maintain sufficient funds.

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