SIP Calculator

Calculate potential returns on your Systematic Investment Plan (SIP). Plan your wealth creation journey with our free online calculator.

How Does SIP Work?

Choose Amount

Decide how much you want to invest monthly. Start with as little as ₹500.

Invest Regularly

Amount is automatically debited from your bank account on a fixed date.

Grow Wealth

Benefit from compounding and rupee cost averaging over time.

SIP Calculation Formula

M = P × ({[1 + r]^n - 1} / r) × (1 + r)

M = Maturity Amount

P = Monthly Investment

r = Monthly Rate of Return (Annual Rate / 12)

n = Number of Months

Benefits of SIP Investment

Rupee Cost Averaging

Buy more units when prices are low and fewer when high, reducing average cost.

Power of Compounding

Earn returns on returns, exponentially growing your wealth over time.

Disciplined Investing

Automate your investments and build a regular saving habit.

Flexibility

Start, stop, increase, or decrease your SIP anytime without penalty.

Low Entry Point

Start investing with as little as ₹500 per month.

Professional Management

Your money is managed by expert fund managers.

Frequently Asked Questions

Login → Go to Mutual Funds → Select fund → Choose SIP or Lumpsum → Enter amount → Complete payment via UPI/Net Banking. No separate account needed, use your existing SBI Securities account.

Most funds allow SIP starting at ₹500 per month. Some funds like Parag Parikh Flexi Cap require ₹1000 minimum. You can start multiple SIPs with different amounts.

Yes, you can select any date from 1st to 28th of the month for your SIP. If the date falls on a holiday, SIP is processed on the next business day.

Go to Mutual Funds → My SIPs → Select the SIP → Click Stop/Pause. SIP can be stopped anytime without any penalty. Existing units remain invested.

Direct funds have lower expense ratio (0.5-1% less) as there's no distributor commission. Over long term, Direct funds give 1-2% higher returns. SBI Securities offers both.

Go to Mutual Funds → My Investments → Select fund → Click Redeem → Enter units/amount → Confirm. Redemption proceeds are credited in 1-3 business days depending on fund type.

ELSS (tax saving) funds have 3-year lock-in period. This is the shortest among all 80C investments. After 3 years, you can hold or redeem. Each SIP installment has its own 3-year lock-in.

Ready to Start Your SIP?

Open a free account with SBI Securities and start investing today

Start SIP Now →