SIP Calculator एसआईपी कैलकुलेटर
Monthly mutual fund SIP investment ki estimated future value nikaliye — compounding ki taakat dekhiye.
⚠️ Mutual fund investments market risk ke subject hai. Returns guaranteed nahi hote — yeh sirf ek estimate hai.
Total Invested
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Estimated Returns
₹0
Total Value
₹0
Jaankari
Compounding ki taakat — kyu jaldi shuru karna zaroori hai
₹5,000/mahina SIP, 12% annual return par — shuru karne ki age se kitna fark padta hai:
| Duration | Total Invested | Estimated Value |
|---|---|---|
| 10 years | ₹6,00,000 | ≈ ₹11.6 Lakh |
| 20 years | ₹12,00,000 | ≈ ₹50 Lakh |
| 30 years | ₹18,00,000 | ≈ ₹1.76 Crore |
*Illustrative only, 12% assumed annual return — actual returns market ke hisaab se ghat-badh sakte hai.
📐 Rule of 72
Aapka paisa kitne saal mein double hoga, yeh jaanne ka aasaan tarika: 72 ÷ annual return %. Jaise 12% return par, 72÷12 = 6 saal mein paisa double.
SIP vs Lumpsum
SIP mein har mahine thoda-thoda invest hota hai (rupee cost averaging), Lumpsum mein ek saath poora paisa. SIP naye investors ke liye kam risky maana jaata hai.
Kahan invest karein
SEBI-registered mutual fund houses (jaise SBI MF, HDFC MF, ICICI Pru) ya apne bank/post office se KYC karke shuru kar sakte hai. Kisi bhi financial advisor se salah zaroor lein.
FAQ
अक्सर पूछे जाने वाले सवाल
SIP kya hota hai? +
SIP (Systematic Investment Plan) ek tarika hai mutual fund mein invest karne ka — har mahine ek fixed amount automatically invest hota hai, lumpsum ek saath paisa lagane ki jagah. Isse market timing ki chinta nahi karni padti.
SIP returns guaranteed hote hai kya? +
Nahi — SIP mutual funds market-linked hote hai, returns guaranteed nahi hote. Yeh calculator sirf ek estimate deta hai based on jo annual return rate aap enter karte hai. Actual returns fund ke performance aur market conditions par depend karte hai.
Rupee cost averaging kya hai? +
Jab aap har mahine fixed amount invest karte hai, to market girne par zyada units milte hai aur market chadhne par kam units — is se average purchase cost time ke saath balance ho jaata hai, ek hi baar mein high price par invest karne ka risk kam hota hai.
Yeh free tool ग्राम दर्पण team ne banaya hai — Mundakhera village (Badli, Jhajjar, Haryana) ka digital panchayat portal.