📈 Complete SIP Guide — India FY 2025-26
What is SIP · How it works · Returns at 12–15% · vs FD/PPF/RD · Goal amounts
₹10K/mo
→ ₹1.04 Cr in 20yr at 13%
₹21K/mo
to reach ₹1 Cr in 15yr (12%)
12–15%
Nifty 50 SIP XIRR historically
₹500
Min SIP amount to start
SIP (Systematic Investment Plan): A SIP is a disciplined investment method where a fixed amount is automatically invested in a mutual fund scheme at regular intervals (typically monthly). Unlike lump-sum investing, SIP uses rupee cost averaging — buying more units when prices are low and fewer when high — resulting in a lower average cost over time. ₹10,000/month in a Nifty 50 index fund at 13% CAGR for 20 years grows to ₹1.04 crore from ₹24 lakh invested.
🗺️ SIP Cluster — Everything You Need
🧮 SIP Calculator
Enter amount, rate, years → see maturity, wealth gain, year-wise growth
📈 Step-Up SIP Calculator
Increase SIP 10–15%/year and see the dramatic corpus difference
🎯 Goal-Based SIP
Enter target corpus → get required monthly SIP amount
⚖️ SIP vs FD vs PPF vs RD
₹5K/month × 10yr — which instrument wins and when
🏆 SIP for Your Goals
Retirement, child education, home, car — exact SIP amounts
💰 Lumpsum Calculator
One-time investment maturity across different returns and periods
How SIP Works — The 3 Core Concepts
📉 Rupee Cost Averaging
Fixed ₹5,000/month → buys 50 units at ₹100, 62 units at ₹80, 41 units at ₹120. Average cost = ₹96.8 vs NAV ₹100 — you automatically buy more when the market is cheap.
📈 Compounding Power
Returns earned generate their own returns. ₹10K/month at 12%: Year 10 corpus = ₹22.4L (₹12L invested). Year 20 corpus = ₹98.9L (₹24L invested). The second decade alone generates ₹76.5L — 3× the first decade.
⏰ Time in Market
Starting 5 years earlier makes a dramatic difference. ₹10K/mo for 20yr at 12% = ₹98.9L. Same SIP for 25yr = ₹1.87 Cr. 5 extra years adds ₹88L — more than the previous 20yr corpus!
⚡ SIP Quick Calculator
Maturity Value
₹44.4L
₹18.0L
Invested
₹26.4L
Gains
147%
Return %