SIP Returns Calculator

Historical returns for equity mutual funds in India average 12-15% annually over 10+ years. Debt funds typically return 6-8%. Actual returns vary by fund, market conditions, and investment period.

No, SIP returns in equity mutual funds are not guaranteed. Market fluctuations affect returns. However, SIP's rupee cost averaging means you buy more units when prices are low, which helps smooth out volatility over long periods.

Each SIP installment earns returns, and those returns also earn returns. Over time, the compounding effect accelerates. A ₹10,000 monthly SIP at 12% for 20 years: you invest ₹24L but accumulate nearly ₹1 crore.