Plan your financial future with more precision, using the Bajaj Broking SIP Calculator. It’s a free online SIP calculator that lets you roughly estimate how your regular monthly investments can grow over time in mutual funds. Just enter your monthly SIP amount, your investment horizon, and the expected rate of return, and in seconds you’ll see your total invested amount, the projected returns, and the maturity value.
So whether you are thinking about a home, education, or retirement, the SIP calculator gives you a fairly clear picture of your wealth-building potential, via Systematic Investment Plans (SIPs).
Estimation is based on the past performance
Invested Amount
Est. Returns
A SIP calculator is an online tool that helps you map out the future worth of your mutual fund SIP investments for a selected time span. It uses a compound interest approach to estimate how a steady monthly contribution can expand, based on your monthly SIP amount, the investment tenure, and the expected annual return rate.
Although the SIP calculator is helpful, it usually does not include things like exit loads, expense ratios, or the everyday market volatility, so projections are a kind of plain estimate. Still, it works as a practical first step for planning, to set sensible targets and to compare different scenarios.
Add your monthly SIP sum.
Set how long you plan to invest, in years.
Type in the assumed annual return rate.
Right away, the calculator in real time will show the total money you’ve put in, the likely gains and the overall maturity amount. You can adjust any input and almost immediately compare distinct SIP choices, different risk profiles, and time horizons.
The Bajaj Broking SIP calculator uses the standard future value of SIP formula:
M = P × {[(1 + r)^n - 1] / r} × (1 + r)
Where M = maturity value, P = monthly SIP amount, r = monthly rate of return (annual rate ÷ 12), and n = total number of months.
It shows how your monthly contribution grows with time thanks to compounding, and it’s the same idea behind most of the leading SIP calculators in India.
Suppose you do a monthly SIP of ₹50,000 for 15 years, and you expect around 12% per annum as return.
This kind of long-horizon SIP in equity mutual funds can easily and steadily enlarge your corpus, mainly because of compounding effect and the consistent, almost methodical investing habit.
Starting a SIP in mutual funds gives retail investors a bunch of benefits, such as:
Not all SIPs are exactly the same, and your returns will change a lot based on the mutual fund category you pick.
Fund Category | Risk Level | Ideal Horizon | Expected Returns (Historical) |
Moderate | 5+ years | 10–13% p.a. | |
Moderately high | 7+ years | 12–16% p.a. | |
High | 10+ years | 14–18% p.a. | |
Low | 1–3 years | 6–8% p.a. | |
Moderate | 3–5 years | 9–12% p.a. |
Past performance is not indicative of future returns. Invest based on your risk appetite, time horizon, and financial goals.
For most investors, regular SIPs are more suited than a one time lumpsum.
Parameter | SIP | Lumpsum |
Investment style | Fixed monthly amount | One-time large amount |
Market timing risk | Low (averaged out) | High |
Minimum amount | As low as ₹100/month | Usually ₹1,000+ |
Best suited for | Salaried, beginners | Idle surplus, confident investors |
Volatility impact | Mitigated via cost averaging | Full exposure to market swings |
For consistent, low-stress wealth creation, a SIP in mutual funds is usually the preferred route.
Compare SIP calculators from leading financial brands.
No matter the platform, the basic formula and logic stay the same. Bajaj Broking’s SIP calculator is AMC neutral, so you can map out a SIP, and then place your money across 4,000+ mutual
It uses the standard compounding formula, based on your monthly investment amount, your investment tenure, and the expected annual return rate to estimate your maturity value.
No, SIP returns are not a guaranteed thing; they can depend on how the market moves, the fund category you’re in, and also the investment horizon.
In a lot of mutual fund schemes, you can begin a SIP with something ₹100 each month, although the lowest amount does shift from scheme to scheme.
SIPs are often used in equity mutual funds like large-cap, mid-cap, and small-cap, plus hybrid or debt funds, too, depending on what you want and your risk appetite.
Scheme Name |
Expense Ratio | 1Y Returns | |
|---|---|---|---|
Nippon India Taiwan Equity Fund (G)Regular Fund | Sectoral / Thematic |
2.17% | 217.52% p.a. | |
UTI-Silver ETF Fund of Fund - Regular (G)Regular Fund | FoFs Domestic |
0.45% | 160.20% p.a. | |
HDFC Silver ETF Fund of Fund - Regular (G)Regular Fund | FoFs Domestic |
0.55% | 160.91% p.a. | |
Kotak Silver ETF Fund of Fund - Regular (G)Regular Fund | FoFs Domestic |
0.65% | 161.05% p.a. | |
Nippon India Silver ETF FOF (G)Regular Fund | FoFs Domestic |
0.49% | 159.86% p.a. |
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