SIP Calculator

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What is SIP (Systematic Investment Plan)? 

A Systematic Investment Plan or SIP is a method of investing in mutual funds and stocks. Here, you invest small sums periodically in funds and stocks of your choice instead of making a lump sum investment upfront. The frequency of SIP investments may be daily, weekly or monthly, although investors commonly prefer monthly SIPs for their convenience. The minimum amount you can invest via SIPs can be as low as Rs. 500. In recent years, micro SIPs, which allow investments as low as Rs. 100, have also become popular. 

What is a SIP Calculator? 

A SIP calculator is a simple online tool that helps you compute the potential returns from your Systematic Investment Plan in the market. It gives you more clarity about how much your SIP investments will grow over a given period at a specific rate of return.

 

Since there are no fees to use an online SIP calculator, you can run multiple simulations using the tool to better understand how different SIP amounts may grow at varying potential rates of return. You can also use the SIP returns calculator to obtain more clarity about how your investments may pan out across different periods.

How Does a SIP Calculator Work? 

A SIP calculator uses a few fundamental inputs provided by the user. These inputs typically include the amount of monthly SIP investment, the expected rate of returns per annum and the period of investment in years. Based on these inputs, the SIP calculator uses a formula to quickly and accurately compute how the total SIP investments made in the fund will grow over the given period. The calculator then displays key information like the amount invested, the returns earned thereon and the total investment value at the end of the period

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What is the SIP Calculator Formula?

An online SIP calculator eliminates the need to manually assess how your SIP investments will grow with time. Nevertheless, knowing the formula used by this free online tool can give you insights into how your SIP investments are compounded over the years. Check out the SIP calculator formula below:

 

A = P x [{(1 + r)n — 1} ÷ r ] x (1 + r)

 

Where:

 

  • A is the amount that you will receive from your SIP investments at the end of the period
  • P is the monthly SIP amount
  • r is the expected rate of return
  • n is the total number of SIP investments made

What are the Benefits of the SIP Calculator?

Using a SIP returns calculator can be beneficial to investors in many ways. The advantages of a SIP calculator include:

 

  • Free and Easy Usage: It is free and easy to use a SIP calculator. All you need to do is enter three simple details and the online tool will display the results for your specific SIP.
  • SIP Comparison: The SIP investment calculator makes it easy to compare and assess how different SIP amounts, investment tenures and return rates affect the maturity amount.
  • Instant Results: You also get instant results with a SIP calculator. This means you do not have to wait to obtain clarity on your SIP strategy.
  • Effective Investment Planning: With quick and accurate results available at your fingertips, the SIP calculator makes investment planning effective, so you can make smart decisions. 

How to Use the Bajaj Broking SIP Calculator?

Using the Bajaj Broking SIP calculator is easy, even if you are a beginner to mutual fund investments. All you need to do is follow these simple steps.

 

  • Step 1: Enter the monthly investment amount. This can be as low as Rs. 500.
  • Step 2: Enter the expected rate of returns from the mutual fund scheme you wish to invest in.
  • Step 3: Enter the period of investment in years.
  • Step 4: Click on ‘Invest Now.’

 

Once you submit these details, the Bajaj Broking SIP calculator will use the SIP calculator formula to compute and display the total invested amount, estimated returns and total value.

What are the Different Types of SIP in India?

Before you use a stock SIP calculator and start your SIPs, you need to understand the different types of Systematic Investment Plans available in India. They include:

 

  • Regular SIPs: These are standard SIPs where you invest a fixed sum at periodic intervals for a specific duration.
  • Step-Up SIPs: Here, the amount invested increases by a fixed sum at periodic intervals. For instance, your monthly SIP of Rs. 5,000 may be set up to increase by Rs. 1,000 each year.
  • Flexible SIPs: In these SIPs, the monthly or periodic investment amount is not fixed. So, you can increase it during favourable market phases and decrease it at other times.
  • Trigger SIPs: Here, you can set specific events or NAV levels as triggers to start a SIP, switch to a different scheme or redeem your SIP investments.
  • Multi SIPs: With multi SIPs, you can invest in different mutual fund schemes offered by an Asset Management Company (AMC) with a single SIP. 
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Frequently Asked Questions

What is the difference between SIP and lumpsum investment?

Answer Field

A lumpsum investment involves using a large sum to purchase fund units upfront. This is a one-time investment. However, a SIP or Systematic Investment Plan involves investing small sums regularly, at fixed intervals. 

Can I modify my SIP amount?

Answer Field

That depends on the terms and conditions set by your preferred stock broker or mutual fund house. In some cases, you can modify your SIPs. In others, you may have to cancel your current SIP and start a new one instead. 

Can I withdraw my SIP amount within 6 months?

Answer Field

Yes, it is possible to withdraw your SIP investments at any time. However, close-ended mutual funds and Equity Linked Savings Schemes (ELss) are the exceptions to this rule. 

Are there any charges applied to withdraw money from SIP?

Answer Field

Some mutual fund schemes may come with exit load fees that are levied when you redeem your SIP investments. 

What to do if I miss my SIP?

Answer Field

Missing one SIP instalment may not lead to any penalty or issue. However, consistent defaults for 3 months or more may result in a penalty or in the SIP being cancelled. So, ensure that you do not miss the next SIP as well.

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