What is SIP and how does it work?

A SIP (Systematic Investment Plan) allows investors to invest a fixed amount regularly in mutual funds, helping build wealth through disciplined investing.

Which is better: SIP or lumpsum in 2025?

SIP is better for long-term wealth creation as it averages out market volatility, while lumpsum works well when markets are undervalued and you have surplus funds.

How much should I invest monthly for ₹1 crore?

To accumulate ₹1 crore in 20 years at 12% returns, you need to invest about ₹10,000 per month via SIP.

Are SIP returns taxable?

Yes, SIP returns are taxable. Equity mutual funds attract 15% STCG tax if redeemed before 1 year and 10% LTCG tax on gains above ₹1.25 lakh per year after 1 year.

SIP Calculator India 2025 | Use Our SIP Returns Calculator

SIP Returns Calculator

Monthly Investment (₹)

₹10,000

Duration (Years)

10 years

Expected Returns (% p.a.)

12%

Top-up (% per period)

Top-up Frequency

None 6 Months Yearly

Total Invested

₹0

Maturity Value

₹0

Gains

₹0