SBI SIP Calculator: Calculate SBI Mutual Fund SIP Returns
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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SBI SIP Calculator
All you need to know about SBI Systematic Investment Plan Calculator (SIP)
The mutual fund industry in India has witnessed remarkable growth and transformation over the years. As of September 2024, the overall Assets Under Management (AUM) of the Indian mutual fund industry reached an all-time high of Rs. 68.80 tn (approximately $800 bn). A number of factors are contributing to this growth, including rising incomes, increased awareness of mutual funds, and innovative products and services. This significant growth in AUM also highlights the increasing investor confidence and engagement with mutual funds as a preferred investment vehicle in India.
For many investors, one of the primary considerations is determining the expected returns from their mutual fund investments. Understanding and harnessing the power of compounding—where earnings generate additional earnings over time—can significantly amplify wealth. In order to calculate compound returns, the SBI SIP calculator has proven to be an invaluable asset for investors.
What is SBI SIP Calculator?
SBI SIP Calculator is a free online tool that helps investors to calculate the potential returns on their SBI SIP mutual fund schemes. With this simple tool, an investor can calculate potential returns and compare returns from various SBI SIP plans to make a well-informed decision.
How to Use smallcase SBI SIP Calculator Online?
Using the SBI 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 SBI SIP calculator:
- Choose your preferred SBI SIP Fund. Here is a list of the top SBI SIP Funds based on their 3-yr CAGR.
- Once you have selected the funds based on different metrics and parameters, go to the ‘Discover’ section on smallcase 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 find historical data on fund performance on the fund pages.
- Once you have the data, you can use the SBI 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 SIP return 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 SBI SIP Calculator.
Formula for SBI SIP Calculator
smallcase uses a global standardisation method to calculate mutual fund returns to determine the total returns you have incurred. The SBI SIP formula is as follows:
Future value (FV) = P x {[(1 + r) n – 1] ÷ r} x (1 + r)
The variables in this SBI SIP calculator equation represent the following:
| FV | Future Value |
| P | SIP Amount |
| i | Compounded rate of return |
| r | Expected Rate on Return |
| n | Number of months |
Let’s take an example. Suppose an investor decides to make an SIP investment of Rs. 5,000 for a year at a return rate of 12%.
Amount invested = Rs. 60,000
Expected return rate amount = Rs. 64,047
Interest Earned = Rs. 3,237
Given below is a list of projected SIP rate of interest in SBI for various investment durations via SIP return calculator SBI.
| Duration | Amount Invested Monthly | Maturity Value |
| 1 year | 5,000 | ₹64,047 |
| 5 years | 5,000 | ₹4,12,432 |
| 8 years | 5,000 | ₹8,07,633 |
| 10 years | 5,000 | ₹11,61,695 |
| 12 years | 5,000 | ₹16,11,261 |
| 15 years | 5,000 | ₹25,22,880 |
| 20 years | 5,000 | ₹49,95,740 |
Therefore, by using the SBI SIP calculator, you can easily determine the SIP amount earned over years on an initial investment of Rs. 5,000 at an annual interest rate of 12%.
Best SBI SIP Funds Based on 5 Year Returns
The SBI Systematic Investment Plan, or SBI SIP investment, could be your chosen way to invest in mutual funds. SBI provides SIP plans that allow you to set aside a fixed amount at regular intervals – you can pick weekly, monthly, or even quarterly contributions. It’s like a hassle-free way to gradually build up your investment without feeling a big pinch in your pocket all at once!
Here are some of the best SIPs based on 5 years in SBI:
| SBI Fund Name | 5Y Returns | Monthly SIP (Rs.) | Maturity Amount (Rs.) |
| SBI PSU Fund | 46.19% | 10,000 | 9,88,957 |
| SBI Infrastructure Fund | 33.86% | 10,000 | 8,69,768 |
| SBI Consumption Opp Fund | 32.17% | 10,000 | 8,54,285 |
| SBI Contra Fund | 31.70% | 10,000 | 8,50,251 |
| SBI Magnum Children’s Benefit Fund-Investment Plan | 31.56% | 10,000 | 8,48,976 |
| SBI Long Term Equity Fund | 31.47% | 10,000 | 8,47,971 |
| SBI LT Advantage Fund-III | 29.50% | 10,000 | 8,28,070 |
| SBI Small Cap Fund | 29.10% | 10,000 | 8,24,409 |
| SBI LT Advantage Fund-VI | 28.08% | 10,000 | 8,16,399 |
| SBI Magnum Midcap Fund | 28.03% | 10,000 | 8,15,826 |
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 18th September, 2024.
SBI Lumpsum Calculator on smallcase
The SBI Lumpsum Calculator on smallcase is a free online tool that helps investors to calculate the potential returns on their lumpsum investments in SBI mutual funds.
The SBI 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 SBI investment options, including equity funds, debt funds, and hybrid funds.
Benefits of Using SBI SIP Calculator
Here are a few benefits of using the SBI SIP Calculator:
Accurate Results
The SBI SIP Calculator helps you make informed financial decisions by providing accurate result based on the input and presents you with a clear picture of your potential return on your investments. By using this SIP calculator, you can determine and plan how much to invest to reach your financial goals.
It’s Easy to Use
Simply input the details to calculate the SBI SIP returns quickly. The SIP investment calculator streamlines this process, offering a user-friendly interface.
It’s Free to Use
Anyone can use the SBI SIP calculator for free.
List of SBI Mutual Fund Schemes
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
How to start my SBI SIP investment?
Here is how you can begin SBI SIP investment through smallcase:
1. Go to smallcase.com or the smallcase app, and login via your phone number
2. Click on ‘Discover‘ and enter the name of the specific mutual fund name in the search bar and hit enter.
3. You can click on ‘invest now’ and select whether you want to invest a lump sum amount or start an SIP!
How to invest in SBI SIP?
Investors can now do an SIP in SBI mutual funds through smallcase. Simply find the mutual fund you want to invest it, through the smallcase ‘Discover’ section and start an SIP in your desired fund!
How can SBI SIP calculator help you?
The SBI SIP Calculator is a free online tool that helps investors calculate the potential returns on their SIP mutual fund schemes.
Is SBI SIP calculator safe?
While the smallcase SBI SIP calculator is a safe tool to use, investing in any mutual fund is subject to market risk,s and investors should do their own research before investing.
How are the SBI SIP taxed?
The taxation of SBI SIP depends on the type of mutual fund scheme you invest in. For example, in equity mutual funds for long-term capital gains (LTCG) the taxation is 12.5% while for short-term capital gains (STCG) the taxation is 20%.
Why invest in SBI SIP scheme?
One can choose to invest in SBI SIP plans for the following reasons: low investment amount, automatic investment, tax benefits, a wide range of SIP schemes, good track record, and reliability. 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 SBI SIP have a lock-in period?
SBI SIP itself does not have a lock-in period. SIP is simply a method of investing a fixed amount regularly in mutual funds, and the duration of your investment is flexible. You can choose to invest for any length of time based on your financial goals and preferences. However, the lock-in period may apply to certain types of mutual funds including ELSS mutual funds that have a lock-in period of 3 years. Investors can redeem their units from at any time but any units redeemed are subject to exit loads.
When can I withdraw my SBI SIP?
You can withdraw your SBI SIP at any time in case of funds without a lock-in period. In this case, you may be charged an exit load while withdrawing from some funds. ELSS funds have a lock-in period of 3 years, after which investors are free to withdraw their units.
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