SIP & Systematic Investment Plans
Everything you need to know about SIP investing in India. Calculate returns, compare strategies, understand taxation, and find the right SIP for your financial goals.
SIP Calculators
SIP Calculator
Calculate monthly SIP returns with step-up and LTCG tax impact
Goal SIP Calculator
Find the exact SIP needed for ₹1 crore or any financial goal
Step-Up SIP Calculator
Compare flat vs step-up SIP returns side-by-side
Lumpsum Calculator
Project one-time investment growth with CAGR
SWP Calculator
Plan monthly withdrawals from your mutual fund corpus
Mutual Fund Returns Calculator
Project lumpsum MF returns with CAGR
SIP Guides & Strategies
SIP vs Lumpsum: Which is Better?
The real math comparing SIP and lump sum investing for different market conditions
How Much SIP for ₹1 Crore?
The exact monthly SIP amount needed to reach ₹1 crore at different time horizons
Mutual Funds for Beginners
Step-by-step guide to starting your first SIP in India
How to Start Investing in India
KYC, picking a fund, and setting up your first monthly SIP
Capital Gains Tax on Mutual Funds
How SIP gains are taxed: LTCG, STCG, and what you actually owe
SIP by Amount
₹1,000 SIP Monthly
Returns from ₹1,000 monthly SIP
₹2,000 SIP Monthly
Returns from ₹2,000 monthly SIP
₹3,000 SIP Monthly
Returns from ₹3,000 monthly SIP
₹5,000 SIP Monthly
Returns from ₹5,000 monthly SIP
₹7,000 SIP Monthly
Returns from ₹7,000 monthly SIP
₹10,000 SIP Monthly
Returns from ₹10,000 monthly SIP
₹15,000 SIP Monthly
Returns from ₹15,000 monthly SIP
₹20,000 SIP Monthly
Returns from ₹20,000 monthly SIP
₹25,000 SIP Monthly
Returns from ₹25,000 monthly SIP
₹50,000 SIP Monthly
Returns from ₹50,000 monthly SIP
SIP by Duration
₹5,000 SIP for 3 Years
SIP returns over a 3 year horizon
₹5,000 SIP for 5 Years
SIP returns over a 5 year horizon
₹5,000 SIP for 10 Years
SIP returns over a 10 year horizon
₹5,000 SIP for 15 Years
SIP returns over a 15 year horizon
₹5,000 SIP for 20 Years
SIP returns over a 20 year horizon
₹5,000 SIP for 25 Years
SIP returns over a 25 year horizon
Related Calculators
CAGR Calculator
Calculate compound annual growth rate
Compound Interest Calculator
See compounding across daily/monthly/yearly periods
Retirement Calculator
Find the corpus and monthly SIP needed for retirement
FD Calculator
Compare FD returns against SIP
PPF Calculator
PPF vs SIP return comparison
NPS Calculator
NPS vs SIP for retirement
Key Glossary Terms
SIP Definition
What is a Systematic Investment Plan
Mutual Fund
How mutual funds work
NAV
Net Asset Value explained
Rupee Cost Averaging
How SIP reduces market timing risk
CAGR
Compound Annual Growth Rate
Expense Ratio
What mutual funds charge you
ELSS
Tax-saving mutual funds
LTCG Tax
Long-term capital gains tax on mutual funds
Frequently Asked Questions
What is SIP full form?
SIP stands for Systematic Investment Plan. It is a method of investing a fixed amount in mutual funds at regular intervals - usually monthly - instead of investing a lump sum all at once.
How much SIP per month to get ₹1 crore?
At 12% annual returns: ₹2,850/month for 30 years, ₹10,000/month for 20 years, or ₹43,000/month for 10 years. Use our SIP calculator to find the exact amount for your timeline.
Is SIP safe?
SIP is an investment method, not a guaranteed return product. Equity SIPs carry market risk but have historically delivered positive returns over 7+ years. The risk reduces significantly with a longer investment horizon.
Can I stop a SIP midway?
Yes. A SIP is not a locked contract. You can pause it for a few months, reduce the amount, or cancel it entirely - usually with a few working days of notice. Your existing units stay invested and keep compounding even after you stop.
What is a step-up SIP?
A step-up SIP automatically increases your monthly investment by a set percentage (usually 10%) every year. Starting at ₹5,000/month and stepping up 10% annually, you build a corpus 40-60% larger than a flat SIP over 20 years.