SIP Return Calculator

Understand what drives SIP returns and compare different return rates and durations with quick examples.

This page helps you understand how return rate and duration impact SIP returns. For calculations, use the SIP Calculator.

What affects SIP returns?

Time: Longer duration increases compounding impact.
Return rate: Even a small difference (e.g., 12% vs 14%) compounds strongly over 10–20 years.
Monthly amount: Higher SIP increases invested amount and potential maturity value.

Scenario A

₹5,000/month • 10 years • 12%

Maturity (approx): ₹11.6L

Scenario B

₹5,000/month • 10 years • 14%

Maturity (approx): ₹12.7L

Scenario C

₹5,000/month • 15 years • 12%

Maturity (approx): ₹25.2L