SIP Calculator

SIP Calculator

SIP Calculator or Systematic Investment Plan Calculator by HDFC Mutual Fund is a smart and efficient way to calculate the future value of SIP investments based on expected rate of return. Plan your investment goals easily with HDFC Mutual Fund SIP Calculator.

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.The above calculator assumes SIP on the first Business Day of every month to compute the Value.

To calculate SIP returns HDFC MF SIP calculator, enter the following information:-

• The amount you wish to invest regularly
• SIP Frequency
• Expected rate of return and the period after which you wish to know the value of SIP.

Once the desired investment amount has been added, the future value of your SIP is calculated, You can use the calculator to experiment with various scenarios, adjusting parameters and gaining insights into how your regular contributions could grow over time with the help of compounding.

You can use the HDFC SIP Calculators to get a quick estimate of potential future value based on factors like SIP amount, periodicity of investment, investment duration, and expected annual return. With our SIP return calculator, you can easily manage the following:-

• Make regular investments
• think long-term for compounding to work

It is important to note that SIP calculator is based on estimates and actual results may vary depending on various factors such as performance, taxation, expenses, etc.

Some of the important benefits of investing in SIP are:

• Flexible investment option – You have the flexibility to choose the amount, frequency of investment and tenure.
• Rupee Cost Averaging – SIP helps to average out the cost of investment in Mutual Funds over time. You buy more units when markets are low and fewer units when markets are higher.
• Low Investment Amount – SIP can be started with as low as Rs 100/- per month except ELSS schemes.
• Power of Compounding – It helps compounding of money from your investment over a long period.
• Disciplined Investments – SIP instils a disciplined habit of investment by requiring regular investments.

The minimum duration of a SIP shall be as under:

* and in multiples of Re.1/- thereafter 

SIP is just a convenient mode of investing and not a contractual obligation, there is no penalty even if you miss an instalment. However, SIP will be discontinued in cases where three (3) consecutive instalments are not honoured in case of Daily, Weekly, Fortnightly and Monthly frequencies and two (2) consecutive failed instalments in case of Quarterly, Half-Yearly and Yearly frequencies

You have the right to discontinue the SIP facility at any time by sending a written request to any of the Official Point(s) of Acceptance or online request. You should send the SIP stop request at least 10 days before the due date of the next instalment. On receipt of such a request by the Mutual Fund, the SIP facility will be terminated.

You have the flexibility to modify the Scheme / Option, SIP installment amount, SIP date, and Frequency in the scheme wherein the SIP investments are currently being made.

SIP is commonly misconstrued as synonymous with mutual funds. However, it's crucial to clarify that SIP is not a mutual fund or scheme; instead, it represents an investment approach to invest in Mutual funds. SIP functions as an investment vehicle that allows individuals to invest regularly in a chosen mutual fund or scheme over time.

The HDFC MF SIP calculator helps you to see the total SIP value by entering the amount you should invest, SIP investment frequency, and expected annual return. The SIP calculator will then provide an estimate of the SIP value. It is important to note that the SIP Calculator is not guaranteeing/offering/communicating any indicative yield on investments made in the scheme(s)/calculator(s).

To calculate capital gain/(loss) the HDFC SIP calculator, subtract the total investment amount (i.e., summation of all SIP instalment amounts) from the final redemption value and then apply the appropriate tax rate based on the holding period. Due to the individual nature of circumstances, each unit holders are advised to consult their professional advisors. Also, note that SIPs are taxed in a FIFO (First in First Out) way which means earliest units are redeemed first.