BAJAJ ASSET MANAGEMENT LIMITED.
BAJAJ ASSET MANAGEMENT LIMITED.
A mutual fund SIP calculator estimates how your regular mutual fund investments could grow over time. Enter how much you plan to invest each month, for how long and an assumed annual return to get an estimate.
SIP stands for Systematic Investment Plan, a way to invest a fixed amount in a mutual fund regularly. You can adjust the inputs to explore an SIP investment amount and period that fit your budget and goals.
To use Bajaj AMC’s SIP calculator online, select Monthly SIP and enter these three details:
The results show your total invested, estimated gains and value at maturity, which is the estimated investment value at the end of your selected period. Try changing the amount or duration to see how it affects your estimate.
For a one-time investment, select Lumpsum and enter your lumpsum investment, investment period and expected annual return.
If you have a target in mind, select Goal SIP. Enter your goal amount in today’s money, years to goal, expected annual return, initial lumpsum investment and expected rate of inflation. The results show your estimated monthly SIP needed, goal amount after inflation and total SIP contributions.
An SIP returns calculator estimates how each monthly contribution could grow, then adds the amounts together. Earlier contributions have more time to grow. The SIP calculation uses this formula:
Estimated value = P × {[(1 + i)ⁿ – 1] ÷ i} × (1 + i)
Here’s what each letter means:
P is the amount you invest each month.
i is the assumed monthly return, calculated here by dividing the annual return percentage by 100 and then by 12.
n is the total number of monthly investments you plan to make.
This estimate assumes you invest the same amount at the beginning of each month and applies the same assumed monthly return throughout.
Imagine Asha, a graphic designer saving for a down payment on her first home in five years. After setting aside money for her monthly expenses and emergency savings, she can invest ₹10,000 a month.
She enters this amount, a five-year period and 11% under expected annual return in our SIP calculator to see how her investment could grow.
| Particulars | Value |
| Monthly investment | ₹10,000 |
| Investment period | 5 years |
| Assumed annual return | 11% |
| Total invested | ₹6,00,000 |
| Estimated returns | ₹2,02,470 |
| Estimated investment value | ₹8,02,470 |
The estimate helps Asha compare her planned savings with the down payment she has in mind. She can also try a different monthly amount or investment period to explore what fits her budget.
The figures shown are for illustrative purpose only
Amounts are rounded to the nearest rupee. The 11% return is an assumption used for this example; actual returns may vary.
A monthly SIP calculator helps you compare investment amounts, time periods and assumed returns before deciding how much to invest.
Choose a mutual fund calculator based on how you plan to invest. An SIP calculator estimates the value of regular contributions, while a lumpsum calculator estimates the value of a single investment.
With an SIP, each contribution stays invested for a different length of time. With a lumpsum investment, the entire amount stays invested for the selected period.
Both options are available here. Select Monthly SIP for regular monthly investments or Lumpsum for a one-time investment. When comparing the results, check the total amount invested as well as the estimated gains.
An SIP calculator provides an estimate based on the inputs and calculation method it uses. It assumes a constant return, while actual mutual fund returns fluctuate. Your investment value may be higher or lower than the estimate, and positive returns are not guaranteed.
There is no single return assumption suitable for every mutual fund. Under expected annual return, enter an assumption that considers the fund category and investment period, then compare lower and higher figures. The calculator’s default rate is an illustration, not a forecast or recommendation.
Different calculators may use different contribution dates, monthly-rate conversions or rounding methods. Some divide the annual rate by 12, while others convert an effective annual return into a monthly rate. Check these assumptions before comparing results.
The calculator does not separately deduct taxes, exit load or scheme expenses. Its estimate depends on the return assumption you enter. If that assumption already reflects fund expenses, do not deduct those expenses again. The amount you receive on redemption may differ from the estimate.
The Monthly SIP estimate does not adjust the displayed investment value for inflation. The Goal SIP option uses your expected rate of inflation to estimate how much your goal could cost in the future, shown as goal amount after inflation.
The monthly amount depends on your target, time available, initial investment and return assumption. Select Goal SIP and enter your target under goal amount in today’s money, along with the other inputs. For example, entering ₹1 crore here means the calculator adjusts that amount for inflation before estimating the monthly SIP needed.
The minimum SIP amount depends on the mutual fund scheme and investment frequency. Check the scheme’s terms before investing. The minimum amount accepted by this calculator is an input limit and does not determine a scheme’s minimum investment.
Yes. Use the step-up SIP calculator to estimate the effect of increasing your contributions periodically. The Monthly SIP calculation assumes a fixed contribution. Changing a calculator input does not change an SIP you have already registered.
No. This calculator estimates future investment value using an assumed return. To measure actual performance, you need your investment and withdrawal amounts, their dates, and the current investment value with its valuation date. XIRR is commonly used to calculate annualised returns from these cash flows.
An SIP investment lets you invest a fixed amount in a mutual fund regularly. Each instalment buys units at the applicable net asset value (NAV), so the number of units purchased can change.
At an assumed annual return of 10%, a monthly SIP calculator estimates around ₹39.04 lakh, including ₹30 lakh invested, with contributions made at the beginning of each month.
At an assumed annual return of 10%, a mutual fund return calculator estimates around ₹1.56 lakh, including ₹1.20 lakh invested, with contributions made at the beginning of each month.
An SIP investment can suit those who prefer investing regularly from their income. Choose the mutual fund based on your goal, investment period and comfort with risk.
No. Your instalment buys more units when the applicable NAV is lower and fewer when it is higher. A mutual fund SIP calculator estimates investment value rather than the number of units you will receive.
The available tenure and minimum number of instalments depend on the scheme’s terms. The period available in an SIP calculator online is a calculation range, rather than the scheme’s permitted tenure.
Rupee cost averaging means buying more units when NAV is lower and fewer when it is higher through a fixed, regular SIP investment. This spreads your purchases across different market levels.
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The calculator alone is not sufficient and shouldn’t be used for the development or implementation of an investment strategy. This tool is created to explain basic financial / investment related concepts to investors. The tool is created for helping the investor take an informed investment decision and is not an investment process in itself. Bajaj AMC has tied up with AdvisorKhoj for integrating the calculator to the website. Mutual Fund does not provide guaranteed returns. Also, there is no assurance about the accuracy of the calculator. Past performance may or may not be sustained in future, and the same may not provide a basis for comparison with other investments. Investors are advised to seek professional advice from financial, tax and legal advisor before investing in mutual funds.
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Our Investment Philosophy reflects what we, as an organisation, believe will generate a good return on equity investment for our investors in the long term. It dictates our goals and guides decision making.
Alpha (a) is a term used in investing to describe an investment strategy’s ability to beat the market.
Alpha is thus also often referred to as excess return or the abnormal rate of return in relation to a benchmark, when adjusted for risk. Essentially, it means doing better than the crowd without taking disproportionate risk.
Collecting superior information
Analysts and portfolio managers strive to collect superior information about the business and the management of the company. They try to generate superior earnings forecast and the balance strength of the company and the industry, thereby trying to 'beat the market' on information edge. This is an important source of alpha for an investor. However, over the years, retaining the information edge has become more difficult and expensive. With a whole lot of investors trying to collect superior information, how can an investor be sure to continuously have accurate and material information about the companies, ahead of others, all the time?
Processing information better
Even if you don't have material information earlier than the crowd, you can still generate better outcomes if you are able to process this information better. Investors develop models and algorithms with enhanced predictive powers to forecast the next move. Fund managers who invest based on some pure formal analytical models are quantitative managers. Here, the goal is to try and beat other investors based on the sophistication of procedures or analytics. The analytical edge can be quite useful until it gets copied by many, and then it may stop generating superior returns.
Exploiting behavioural biases
As the name suggests, this edge is achieved by superior behaviour in reacting to the inputs available to maximise alpha. Modern finance assumes people behave with extreme rationality. However, researchers in behavioural finance have shown that this is not true. Moreover, these deviations from rationality are often systematic. Behavioural managers try to exploit situations where securities are mispriced by the market because of behavioural factors. At Bajaj AMC, we endeavour to combine the best of these edges.
