SIP Calculator
See what a monthly systematic investment plan could grow to, and how much of it is returns rather than your own money.
- What return should I assume for a SIP?
- Long-run Indian equity returns have averaged roughly 11 to 13% a year, but any individual decade can be well above or below that. Modelling 10 to 12% is reasonable for planning; treat anything above 15% as optimistic.
- How is SIP income taxed?
- Each instalment is treated as a separate purchase. Units held over twelve months are long term, taxed at 12.5% on gains beyond the ₹1,25,000 annual exemption. Units sold sooner are taxed at 20%.