IDBI SIP Calculator – Calculate IDBI Mutual Fund Returns in 2025
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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IDBI SIP Calculator
All you need to know about IDBI SIP Calculator
Investing through a Systematic Investment Plan (SIP) with IDBI Mutual Funds can be a way to build wealth systematically. In this regard, the IDBI SIP Calculator is a user-friendly online tool that helps investors estimate potential returns on their SIP investments. Whether you’re planning to start an SIP with IDBI or want to explore expected returns, this tool helps simplify financial planning.
What is the IDBI SIP Calculator?
The IDBI SIP Calculator is an online tool designed to estimate the maturity amount for investments in mutual funds offered by IDBI. By providing inputs like the SIP amount, investment duration, and expected annual returns, the IDBI calculator projects the total returns you can expect. This makes it an essential tool for anyone considering SIPs with IDBI Mutual Funds.
Features of the IDBI SIP Calculator
- Ease of Use: The SIP Calculator IDBI tool is designed to simplify calculations, even for first-time investors.
- Customisable Inputs: Users can experiment with the SIP amount, tenure, and expected IDBI SIP interest rate to analyse various investment scenarios.
- Quick Results: The IDBI SIP Calculator provides instant projections of your investment’s future value.
- Flexibility Across Schemes: It works for different schemes under IDBI Mutual Funds, catering to equity mutual fund and debt mutual fund investments.
Formula to Calculate SIP Returns
The IDBI SIP Calculator uses this formula to calculate returns:
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) |
Example Calculation Using the IDBI Mutual Fund SIP Calculator
Assume you invest Rs. 10,000 monthly, expecting a 12% annual return. Here’s a projected growth for 1, 5, and 10 years:
| Years | Total Investment | Estimated Returns | Future Value |
| 1 | ₹1,20,000 | ₹7,410 | ₹1,27,410 |
| 5 | ₹6,00,000 | ₹2,16,159 | ₹8,16,159 |
| 10 | ₹12,00,000 | ₹9,96,042 | ₹21,96,042 |
How to Use the IDBI SIP Calculator?
Using the IDBI SIP 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 IDBI SIP Calculator:
- Choose your preferred IDBI mutual fund for SIP. You can check out the list of IDBI SIP Funds 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 IDBI SIP 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 IDBI interest 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 IDBI SIP Calculator.
Benefits of the IDBI SIP Calculator
- Simplifies Planning: The IDBI Mutual Fund SIP Calculator or the LIC SIP Calculator eliminates manual calculations, offering accurate results in seconds.
- Helps Set Goals: Showing how different IDBI SIP interest rates impact returns aids in setting realistic investment targets. You can use it as a hypothetical investment return calculator to evaluate hypothetical scenarios to determine which investment plan suits you best.
- Comparative Analysis: Investors can compare schemes and customise their IDBI SIP plans accordingly.
Top IDBI Mutual Funds for SIP Based on 5Y CAGR
| Fund Name | 1Y Return (%) | 3Y CAGR (%) | 5Y CAGR (%) |
| IDBI Small Cap Fund | 17.21 | 21.45 | 26.38 |
| IDBI Healthcare Fund | 23.37 | 19.05 | 22.06 |
| IDBI Dividend Yield Fund | 17.42 | 20.39 | 21.06 |
| IDBI Midcap Fund | 19.60 | 19.79 | 20.14 |
| IDBI Long Term Value Fund | 12.93 | 16.14 | 17.68 |
| IDBI Focused 30 Equity Fund | 12.64 | 11.95 | 15.00 |
| IDBI Flexi Cap Fund | 11.50 | 14.07 | 13.12 |
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 11th February, 2025.
To Wrap Up…
The IDBI SIP Calculator is a useful tool for anyone planning to invest in mutual funds via SIPs. Whether you’re a beginner or a seasoned investor, this tool simplifies the process of projecting returns, comparing schemes, and aligning investments with your financial goals. Leverage the IDBI Mutual Fund SIP Calculator to make well-informed decisions and know your investment potential.
Disclaimers
The results provided by this calculator are for illustrative purposes only and are based on the inputs provided by the user, including the monthly or lump sum investment amount, expected rate of return, and the investment time period.
The calculator assumes a constant rate of return and does not account for market fluctuations. Therefore, the actual future value of the investment may differ from the estimated value.
smallcase makes no representations or warranties regarding the accuracy of the calculator’s results and is not responsible for any errors, omissions, or inaccuracies. The calculator does not consider taxes, fees, or other factors that may affect investment performance.
This calculator and the results generated are not intended as a solicitation to invest or as a recommendation for any particular investment product. Users are encouraged to consult with a qualified financial advisor before making any investment decisions.
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Frequently Asked Questions
What is the minimum SIP amount for IDBI Mutual Funds?
Depending on the chosen mutual fund scheme, you can start investing with as little as Rs. 500 per month. For more details regarding specific IDBI funds, visit their official website.
Can I adjust my SIP amount after starting?
Yes, IDBI Mutual Funds allow you to increase or decrease your SIP contributions during the investment tenure. However, this is subject to changes and investors should check out the official IDBI website for more details.
Does the IDBI SIP Calculator account for market volatility?
No, the IDBI SIP Calculator provides estimates based on user-defined interest rates and does not factor in market fluctuations. However, users can adjust the inflation rate and project results accordingly.
What is the tax treatment of SIP returns?
SIP returns are subject to capital gains tax. For equity funds, short-term gains (less than 1 year) are taxed at 20%, while long-term gains (above Rs. 1 lakh) are taxed at 12.5% without indexation.
Can I withdraw my SIP investments prematurely?
Yes, but specific schemes may impose exit loads for early withdrawals. Tax-saving schemes like ELSS have a lock-in period of 3 years.
Are there additional fees for using the SIP Calculator IDBI?
No, the IDBI SIP Calculator is free to use and accessible on smallcase.
What are the typical returns offered by IDBI SIP investments?
The returns depend on the scheme chosen. You can check out the historical returns and performance of a specific mutual fund by logging into smallcase and searching for the fund in the ‘Discover’ section.
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