Calculate Your Mutual Fund Returns With the HSBC SIP Calculator
Calculate the future value of your SIP investment
Goal Amount
Expected Return (P.A)
Time Period
Summary
To achieve a goal amount of ₹15,00,000 in 10 year(s), and at 5% inflation, you would need to invest ₹9,20,869 at a 10% rate of return.
Summary
To achieve a goal amount of ₹15,00,000 in 10 year(s), and at 5% inflation, you would need to invest ₹9,20,869 at a 10% rate of return.
Total Investment Breakup
Lumpsum Investment
Interest Earned
Total Investment
| Year | Investment Amount (₹) |
Wealth Gained (₹) |
Expected Amount (₹) |
|---|
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HSBC SIP Calculator
All you need to know about HSBC Systematic Investment Plan Calculator (SIP)
A Systematic Investment Plan (SIP) is an excellent method for investing in mutual funds, enabling fixed monthly investments. However, to make informed investment decisions and effectively plan for your financial future, it is crucial to estimate potential returns and understand the growth trajectory of your investments. This is where the HSBC SIP Calculator becomes an important tool.
What is an HSBC SIP Calculator?
As an investor, you can easily use the HSBC SIP calculator to easily compute your periodic SIP amount and calculate your target corpus. Simplify your investment journey by calculating the right SIP contribution.
In a nutshell, the HSBC SIP calculator offers an estimated return based on your input data. However, it’s crucial to understand that this tool doesn’t guarantee returns and assumes a fixed rate of return, which can be subject to market fluctuations.
How To Use the HSBC SIP Calculator Online?
Using the HSBC SIP plan calculator is easy. With this free tool, you can evaluate how much your investments might grow over time. Here’s how you can use the HSBC SIP calculator:
- Choose your preferred HSBC SIP Fund. You can check out list of HSBC SIP Funds based on 5-yr returns below.
- Once you have selected the funds based on different metrics and parameters, go to the ‘Discover’ section on smallcase or the smallcase app and enter the name of the specific mutual fund in the search bar and hit enter. You can find historical data on fund performance on the fund pages.
- Once you have the data, you can use the HSBC SIP return calculator for two scenarios:
Case 1 – If You Know the SIP Investment Amount
In this scenario, you need to provide 3 key inputs:
- Your investment amount
- Expected return
- Time period
Once you enter these details, you can get an estimate of the potential returns that you will get after the completion of your investment tenure on the SIP amount calculator.
Case 2 – If You Know Your SIP Goal Amount
In this scenario, you will need to provide:
- Goal amount
- Expected return
- Time period
Once you input these details, you can get an estimate of how much amount you need to invest every month to reach your goal through the HSBC SIP Calculator.
Formula for the HSBC SIP Calculator
smallcase employs a formula to compute compound interest to calculate SIP returns using the HSBC SIP calculator. The following is the formula used for the HSBC SIP Calculator on smallcase:
A = P * [(1 + r)^n – 1] / r
The variables in the formula given above are:
| A | Future value of SIP investments |
| P | Monthly investment amount |
| r | Expected rate of return per period (usually assumed on an annual basis and divided by the number of SIP periods) |
| n | Number of SIP periods (number of months or years) |
Let’s understand how the HSBC SIP calculator calculates SIP investments with the help of an example.
Assume you want to invest Rs. 5,000 per month for a period of 12 months in an HSBC SIP investment with an expected SIP interest rate of 12% per annum.
The monthly rate of return will be {12%/12} = 0.01
So, A = 5,000* ({[1 +0.01 ]^{12} – 1} / 0.01) x (1 + 0.01)
The best SIP calculator may show that your total investment value or SIP returns could be around Rs. 64,047.
Therefore, by using the HSBC SIP calculator,small cap you can easily determine the SIP amount earned over the years on an initial investment of Rs. 5000 at an annual interest rate of 12%.
Best HSBC Mutual Fund SIP Plans Based on 5Y Returns
Following is a list of some of the best HSBC SIP plans.
| Mutual Fund Name | 5Y Returns (%) | Monthly SIP (Rs.) | Maturity Amount (Rs.) |
| HSBC Small Cap Fund | 34.22 | 10,000 | 15,88,242 |
| HSBC Infrastructure Fund | 30.45 | 10,000 | 14,13,268 |
| HSBC Value Fund | 29.13 | 10,000 | 13,57,364 |
| HSBC Midcap Fund | 28.88 | 10,000 | 13,47,069 |
| HSBC Business Cycles Fund | 26.8 | 10,000 | 12,64,862 |
| HSBC Large & Mid Cap Fund | 26.37 | 10,000 | 12,48,609 |
| HSBC Flexi Cap Fund | 25.21 | 10,000 | 12,05,977 |
| HSBC ELSS Tax saver Fund | 23.37 | 10,000 | 11,41,827 |
| HSBC Tax Saver Equity Fund | 23.5 | 10,000 | 11,46,224 |
| HSBC Large Cap Fund | 20.84 | 10,000 | 10,60,114 |
Disclaimer: Please note that the above list is for educational purposes only, and is not recommendatory. Please do your own research or consult your financial advisor before investing.
Note: The data is from 16th September, 2024.
HSBC LumpSum Calculator
The HSBC Lumpsum Calculator is a free online tool that helps investors to calculate the potential returns on their lumpsum investments in HSBC mutual funds, including HSBC multicap funds.
The HSBC lumpsum calculator takes into account the investor’s lumpsum investment amount, the duration of the investment, and the expected rate of return. With this lumpsum calculator, you can calculate returns according to a constant rate of return for a range of HSBC investment options, including equity funds, debt funds, and hybrid funds.
How Can the HSBC SIP Calculator Help You?
Here are some of the benefits of using the HSBC SIP calculator.
- Precision at Your Fingertips: The HSBC SIP calculator offers accurate projections of your potential returns based on specific investment durations and rates of return. It eliminates calculation errors and delivers expected returns with just a few inputs.
- Time-Efficient: Save valuable time that manual calculations often consume. The HSBC SIP calculator provides results swiftly, all in a matter of seconds!
- User-Friendly: Even if you’re new to large, mid and small cap SIP calculators, this tool is easy to grasp. In minutes, you can input your data to receive precise future return estimates.
- Empowering Decisions: Harness the HSBC SIP calculator to make informed choices. It aids investors in evaluating the potential of their investments, whether it’s worth investing in an HSBC MF scheme or comparing various investment options based on expected future returns.
To Wrap It Up…
The HSBC SIP calculator allows you to explore various scenarios to align with your financial objectives. Whether you’re planning for specific goals or assessing the suitability of SIP, the SIP calculator HSBC empowers you to consider all your options and compare them to make an informed decision.
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Frequently Asked Questions
How to invest in HSBC mutual fund schemes?
Here is how you can begin HSBC SIP investment through smallcase:
- Go to smallcase.com or the smallcase app, and login via your phone number
- Click on ‘Discover‘ and enter the name of the specific mutual fund name in the search bar and hit enter.
- You can click on ‘invest now’ and select whether you want to invest a lump sum amount or start an SIP!
How can a HSBC SIP calculator help you ?
The HSBC SIP Calculator is a free tool that evaluates the performance of every HSBC Mutual Fund according to the inputs provided by the user. This tool assists you in improving investment decisions by calculating the HSBC SIP interest rates.
Is HSBC SIP safe?
Like all investments, HSBC SIPs carry risk due to market fluctuations.
Why should you invest in the HSBC SIP Scheme?
Investing in HSBC SIP Mutual Funds offers numerous advantages, such as fostering disciplined investing, implementing rupee cost averaging, harnessing the power of compounding, providing flexibility, and enabling diversification. However, given the advantages, it is up to the investor to conduct their own research and/or consult a financial advisor before choosing any fund to invest in.
Does the HSBC SIP have a lock-in period?
For HSBC ELSS (Equity Linked Savings Scheme), there is lock-in period of 3 years from the date of allotment of each unit. After the lock-in period, the units can be redeemed or switched. However, for equity and debt-based HSBC SIP plans, there is no lock-in period and investors might be charged exit loads for certain funds.
When can I withdraw my HSBC SIP?
If you have invested in an HSBC ELSS mutual fund, you can redeem your active SIP investment after the lock-in period of 3 years. Otherwise, you can exit the fund at any time by sometimes paying an exit load.
How are the HSBC SIPs taxed?
For HSBC equity mutual fund SIPs, STCG is 20%, and LTCG is 12.5%.
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