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Mutual Fund Calculator: SIP & Lumpsum

SIP Calculator: Estimate Monthly Investment Returns

  • ✅ What is SIP?

    SIP stands for Systematic Investment Plan, where you invest a fixed amount monthly in mutual funds.

    🧮 How SIP Calculator Works:

    Enter:

    • Monthly SIP amount

    • Investment duration (in years)

    • Expected rate of return (CAGR)

    The calculator shows:

    • Total invested amount

    • Estimated future value

    • Wealth gained (Profit)

    📊 Example:

    If you invest ₹5,000/month for 10 years with an expected return of 12%, you’ll accumulate:

    • Total Investment: ₹6,00,000

    • Wealth Gained: ₹5,78,000

    • Future Value: ₹11,78,000+

    💼 Lumpsum Calculator: One-Time Investment Growth

    ✅ What is a Lumpsum Investment?

    In Lumpsum, you invest a large amount at once instead of periodically.

    🧮 How Lumpsum Calculator Works:

    Enter:

    • Initial investment

    • Investment period

    • Expected return

    The calculator displays:

    • Final corpus

    • Total gain

    📊 Example:

    A lumpsum investment of ₹2,00,000 for 5 years at 10% returns will grow to:

    Future Value: ₹3,22,000 approx.

🆚 SIP vs Lumpsum – Which Calculator to Use?

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🔧 Where to Use SIP & Lumpsum Calculators?

  • You can use these tools on:

    • AMFI or SEBI-affiliated websites

    • Popular apps like Groww, Coin, Kuvera, ET Money, NJ Wealth

    • Bank Mutual Fund portals

    • MF Utility (MFU) platform
  • 📝 Conclusion

    Whether you’re investing small amounts monthly via SIP or making a one-time lumpsum investment, a Mutual Fund Calculator gives you clarity on returns, goals, and timelines. It’s a must-have tool for every smart investor in 2025!

Frequently Asked Questions (FAQs) on SIP

Yes. Most mutual fund platforms and financial portals offer these tools for free.

Calculators offer estimated returns based on assumed rates. Actual performance may vary due to market conditions.

Yes. You can input your own expected rate of return (e.g., 8%, 10%, 12%) to see various scenarios.

Most basic calculators do not account for taxes or exit loads. For advanced insights, use goal-based planning tools.

It depends on your cash flow and risk appetite. SIP is ideal for disciplined long-term investing, while lumpsum works best when markets are low or you have idle funds.

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