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Aditya Birla Sun Life AMC Limited

Aditya Birla Sun Life AMC Limited

    • SIP Calculator
    Find out how much you can accumulate by investing a fixed amount in mutual fund regularly.
    Min 500
    Max 10L
    ₹
    Min 4%
    Max 12%
    %
    1 Year
    50 Years
    • Total Invested Amount
      ₹ 1000
    • Total Investment Value
      ₹ 1010
    Go to Home
    Note: Returns are neither assured nor guaranteed. There is no warranty about the accuracy of the calculator. Please consult your financial advisors before taking any investment related decisions.
    Untitled Document

    SIP Calculator

    An SIP or Systematic Investment Plan is a mode of investing in mutual funds, where a predetermined amount is invested at regular intervals (weekly, monthly, or quarterly). It encourages disciplined saving while offering the dual benefits of rupee cost averaging (due to market fluctuations) and the power of compounding.

    The SIP calculator helps you estimate the returns that you can accumulate on your monthly investments over a specified period.

    What is SIP Calculator?

    An SIP calculator is an easy-to-use online tool that helps investors determine the potential returns on mutual fund investments through SIP. It also provides guidance on the monthly investment required to meet a future financial goal. However, actual returns may vary based on market conditions, and investors should use the results as an estimate. Additionally, SIP calculators do not consider factors like entry and exit loads, if applicable.
    Using an SIP calculator is very simple and individuals need to input three variables. The monthly investment amount, time horizon, and expected returns. The calculator then automatically computes the estimated amount that may be accumulated over the investment period.

    How to Calculate SIP Returns - Example

    Let us understand with an example. Assume the monthly SIP instalment is INR 15,000 invested for a period of 15 years and expected returns are 12% per annum. The total investment is INR 27 lakhs and the investment value after 15 years would be INR 75,68,640.

    You can adjust these inputs to estimate returns for different investment amounts, durations, or expected returns.

    Benefits of Using SIP Return Calculator

    Since mutual fund returns are not guaranteed, investors may find it challenging to estimate the growth of their investments or determine how much they need to invest to meet future financial goals. The SIP calculator addresses these challenges with the following benefits:

    • Estimates future value of investments

    • Saves time by eliminating complex manual calculations

    • Easy and user-friendly interface

    • Free and unlimited access for all users

    How to Use SIP Calculator?

    It is very simple to use the SIP Plan Calculator from Aditya Birla Sun Life Mutual Fund. You just need to enter the amount which you want to invest per month, the expected rate of returns and the number of years for which you want to remain invested.
    After you input the values, our SIP calculator will show the estimated total investment value and the total invested amount after completion of your investment tenure.

    How Does SIP Calculator Work?

    Online calculators have eliminated the need to conduct complex calculations to determine potential returns on SIP investments. However, being aware on how these numbers work is always beneficial and brings higher confidence to your investment strategies. The formula used to calculate SIP returns is

    FV = P*{[(1+r) (n-1)]/r}*(1+r)
    Where:
    FV = Future Value
    P = Periodic Contributions
    r = Expected rate of return
    n = Number of periodic contributions
    Let us understand the above formula with an example. Assume you start a monthly SIP of INR 10000 for a five-year period and expected rate of return is 12%. The formula would be as below:
    FV = 10000*{[(1+0.01) (60-1)/0.01]}*(1+0.01)
    r is 0.01 as the expected rate of return is 12% per annum, which translates into 1% per month.

    An investor education and awareness initiative by Aditya Birla Sun Life Mutual Fund.

    Know Your Customer (KYC):

    To invest in Mutual Funds, you will need to complete your Know Your Customer (KYC) requirements. You can do so by visiting any AMC branch or nearest Point of Service and submitting the completed KYC Form along with all the required self-attested documents.
    Individual investors would be required to submit the following documents -

    • A recent passport sized Photograph

    • A Proof of identity - A copy of your PAN card

    • A Proof of Address - A copy of your Voter ID card, Passport or Driving License

    If you are already KYC Verified and would like to update any of your information, you can submit a completed KYC Details Change Form with the required self-attested documents at your nearest AMC branch or Point of Service.
    Once the investor has done KYC with a SEBI registered intermediary, the investor need not undergo the same process again with another intermediary including mutual funds.

    SEBI registered Mutual Funds:

    We advise investors to make informed decisions and are cautioned to invest only with SEBI registered Mutual Funds.
    List of Registered Mutual Funds is available at https://www.sebi.gov.in/intermediaries.html

    Redressal of Investor's Grievance:

    If you have any queries, grievances or complaints pertaining to your investments, you may approach the respective Fund House through various avenues published on their website.

    In case you are not satisfied with the resolution given by AMC, you can approach SEBI by registering your complaint on SCORES (SEBI

    Complaints Redress System) through https://scores.gov.in/scores/Welcome.html

    Aditya Birla Sun Life AMC Limited /Aditya Birla Sun Life Mutual Fund is not guaranteeing/offering/communicating any indicative yield/returns on investments.

    SIP does not assure a profit or guarantee protection against loss in a declining market. Nothing contained herein shall amount to an offer, invitation, advertisement, promotion or sponsor of any product or services. In view of individual nature of tax consequences, each investor is advised to consult his / her own professional tax advisor before taking any investment decision.

    Returns on mutual fund investments are not assured. Therefore, the SIP returns may be determined as per the category of the funds you invest. Before investing in SIP, it is recommended to determine your risk appetite to understand the potential returns on your investments.

    There is no maximum limit on the SIP instalment. However, the minimum amount with which you can start a SIP is INR 100.

    Investors may often confuse between mutual funds and SIPs. SIP is a mode of investing in mutual funds. It is not a fund or scheme but a disciplined way of investing at regular intervals.

    Certain types of SIPs, like Flexible SIP, allow you to modify the instalment amount. However, traditional SIPs do not allow modifications during the tenure, although they can be paused or cancelled.

    Using the Aditya Birla Sunlife SIP calculator is very simple. Here is how you can get the results in a few steps:

    • Select the mutual fund scheme

    • Enter the SIP installment amount

    • Choose the frequency (fortnightly, monthly, or quarterly)

    • Enter the start and end date of the SIP

    • Click "Calculate" to view the estimated returns

    You can choose from different types of SIPs.

    • Step-up or Top-up SIP allows you to increase the investment at specific intervals by a particular percentage or amount.

    • Perpetual SIP continues your investment as long as desired with no end date.

    • Trigger SIP starts your investment on a particular date, event, index level, or NAV.

    • Flexible SIP allows changes to the instalment as per your requirements.

    Yes, investors can automatically renew their SIPs. Mutual fund houses also provide you the option to cancel the auto-renewal feature.

    Yes, asset management companies provide you the option to pause your SIP investments for a particular period of time.

    Yes, you can estimate your SIP returns online using SIP Calculator. Simply enter your monthly investment amount, expected return rate, and investment tenure, and the calculator will provide an estimated total investment value.

    Mutual Fund investments are subject to market risks, read all scheme related documents carefully.