Calculator Guide

What is SIP (Systematic Investment Plan)?

SIP kya hota hai, ye kaise kaam karta hai, aur mutual fund SIP se long-term wealth kaise banti hai — saath mein free SIP calculator.

Definition

SIP ek investment method hai jisme aap mutual fund mein har mahine ek fixed amount invest karte hain (jaise ₹5,000/month), lump sum ek saath invest karne ke bajaye. Ye disciplined investing aur rupee-cost averaging (market ups-downs ka average price milna) ka fayda deta hai.

Formula

FV = P × [((1+i)ⁿ − 1) / i] × (1+i)

  • FV: Future Value — SIP ki maturity value
  • P: Monthly investment amount
  • i: Monthly expected return rate (annual rate ÷ 12 ÷ 100)
  • n: Total number of months invested

Steps

  1. Decide karein monthly investment amount (P) — kitna aap comfortably har mahine invest kar sakte hain.
  2. Ek expected annual return rate assume karein (historically equity funds 10-14% average dete hain, but guaranteed nahi).
  3. Apna investment period (tenure) decide karein — jitna lamba, utna zyada compounding ka fayda.
  4. Neeche calculator mein ye teeno daal kar apni estimated maturity value aur total gain dekhein.

Example

Example: ₹5,000/month SIP, 12% expected annual return, 15 saal (180 months) ke liye — total invested amount ₹9,00,000 hota hai, lekin compounding ki wajah se estimated maturity value approximately ₹25.2 lakh tak pahunch sakti hai.

Frequently Asked Questions

SIP kya hota hai?

SIP (Systematic Investment Plan) mutual fund mein har mahine ek fixed amount invest karne ka tarika hai, lump sum ke bajaye — isse rupee-cost averaging aur disciplined long-term investing ka fayda milta hai.

SIP aur lump sum investment mein kya farak hai?

Lump sum mein aap ek saath poori amount invest karte hain (market timing risk zyada); SIP mein amount time ke saath spread hoti hai, jisse market ups-downs ka average price milta hai aur risk kam hota hai.