SIP Calculator — Monthly SIP Returns & Maturity

Historical category averages: large-cap equity 10–12% CAGR; mid-cap 12–15%; small-cap 14–18% (higher risk); balanced/hybrid 9–11%; debt 6–8%; ELSS 12–14%. For long-term planning (10+ years), 12% is a commonly used estimate for diversified equity mutual funds. Past performance does not guarantee future returns.

Most mutual funds allow a SIP from as low as ₹500 per month, and some from ₹100. There is no upper limit. Starting small and increasing (step-up SIP) over time is a common approach as income grows.

A SIP invests a fixed amount monthly, averaging your cost across market highs and lows — ideal for salaried investors. A lump sum invests everything at once — better when markets are low but riskier if mistimed. For volatile equity markets, SIP generally suits retail investors better over long horizons.

At 12% CAGR: about ₹43,471/month for 10 years, ₹18,000/month for 15 years, ₹8,600/month for 20 years, or ₹4,700/month for 25 years. The earlier you start, the lower the monthly SIP required — a ₹5,000/month SIP at 12% for 30 years grows to roughly ₹1.76 crore.

This calculator assumes a fixed monthly amount for the whole tenure. A step-up SIP, where you raise the amount each year (say 10%), produces a larger corpus. Use the fixed calculator for a baseline, then plan step-ups separately with a financial advisor.

An RD gives a fixed, guaranteed return (currently ~6–7%) with the interest taxed at your slab. An equity SIP targets a higher long-term return (~12%) but carries market risk and no guarantee. For long horizons and higher goals, equity SIPs have historically outperformed RDs; for short-term, capital-safe goals, RDs are safer.

No — a SIP is only a mode of investing; tax applies on gains at redemption. Equity fund LTCG (held 12+ months) is taxed at 12.5% above ₹1.25L/year, STCG (under 12 months) at 20%. Debt fund gains are taxed at your slab. ELSS SIPs additionally give an 80C deduction (old regime).

Long-term capital gains on equity mutual funds (units held 12+ months) are taxed at 12.5% on gains above ₹1.25 lakh per year. Short-term gains (units held under 12 months) are taxed at 20%. Because each SIP instalment is a separate purchase, gains from different instalments are classified STCG or LTCG based on each instalment's own holding period.

Every monthly instalment is treated as a separate investment with its own purchase date. When you redeem, units are matched FIFO (first-in-first-out): older instalments held 12+ months are LTCG, newer ones under 12 months are STCG, and each block is taxed at the applicable rate.

Yes. ELSS (Equity Linked Savings Scheme) SIPs qualify for the ₹1.5 lakh deduction under Section 80C in the old regime, with a 3-year lock-in on each instalment. Note: each SIP instalment has its own 3-year lock-in from its purchase date.

For resident investors, mutual funds do not deduct TDS on capital gains from redemption — you report and pay the tax yourself while filing your income tax return. TDS applies mainly to non-residents. Dividends (IDCW) above ₹5,000/year do attract TDS.

The 80C deduction for ELSS is available only in the old tax regime. If your total 80C investments and other deductions are large, the old regime may be beneficial; if not, the new regime's lower slab rates may win. Compare both with an income tax calculator for your numbers.