ICICI SIP Calculator - Calculate Your Returns

SIP (Systematic Investment Plan) is a method of investing a fixed amount in a mutual fund at regular intervals — typically monthly. Each instalment buys units at the prevailing NAV. Over time, you benefit from rupee cost averaging, buying more units when the market is low. Even ₹1,000/month invested over 20 years at 12% CAGR can grow to approximately ₹9.9 lakh. Use the free SIP Calculator on AbacusHand to calculate your exact result instantly.

SIP is generally better for salaried investors who want to reduce timing risk. A lumpsum works better when markets are at a significant low. For example, ₹5,000/month SIP over 15 years at 12% gives approximately ₹25.2 lakh, while ₹9 lakh invested as lumpsum over the same period gives ₹49.5 lakh — but only if perfectly timed. For most Indians, SIP is the safer, disciplined choice. Use the free SIP Calculator on AbacusHand to calculate your exact result instantly.

The monthly SIP needed depends on your time horizon and expected returns. At 12% annual return: for 10 years you need approximately ₹43,500/month; for 15 years, approximately ₹19,800/month; for 20 years, approximately ₹10,000/month; and for 25 years, just ₹5,300/month. Starting early dramatically reduces the required monthly investment, thanks to compounding. Use the free SIP Calculator on AbacusHand to calculate your exact result instantly.

A step-up SIP increases your monthly investment by a fixed percentage each year. Starting with ₹5,000/month and stepping up 10% annually means you invest ₹5,500 in year 2, ₹6,050 in year 3, and so on. Over 20 years, a ₹5,000 step-up SIP at 12% grows to approximately ₹1.65 crore, compared to ₹49.9 lakh for a flat SIP. It's ideal as your salary grows. Use the free SIP Calculator on AbacusHand to calculate your exact result instantly.

The longer the SIP duration, the greater the compounding benefit. Equity mutual fund SIPs in India have historically delivered 12–15% CAGR over 15+ year horizons. A ₹5,000/month SIP at 12%: 5 years gives ~₹4.1 lakh, 10 years ~₹11.6 lakh, 15 years ~₹25.2 lakh, and 20 years ~₹49.9 lakh. Financial experts recommend a minimum of 5–7 years for equity SIPs to ride out market cycles. Use the free SIP Calculator on AbacusHand to calculate your exact result instantly.