SBI SIP Calculator: Estimate Your SIP Returns for 2024
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 ₹68.80 trillion (approximately $800 billion). 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 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?
Imagine you’re using a tool to figure out how much your investments might grow over time. Well, for that tool to work its magic, it has to calculate how much your investments will earn over a period of time.
Usually, in regular SIP calculators, one has to enter the amount. However, with SBI SIP Calculator, it’s an upgrade from regular SIP calculators as it takes into consideration the expected return of the investment scheme.
Let’s understand how smallcase SIP calculator SBI mutual fund works.
Step-1:
Select the fund of your choice, such as SBI Bluechip Fund or SBI Smallcap Fund which can be calculated by SBI SIP calculator.
Step-2:
Enter the desired amount that you wish to invest every month.
Step-3:
Input the number of years or the time period for which you want to calculate the SBI SIP interest rate.
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 ₹5,000 for a year at a return rate of 12%.
Amount invested = ₹60,000
Expected return rate amount = ₹64,047
Interest Earned = ₹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 ₹5,000 at an annual interest rate of 12%.
Best SIP Plans Available with SBI
The SBI Systematic Investment Plan, or SBI SIP investment, could be your go-to choice to invest in mutual funds. SBI provides the best 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 for 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.
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 SBI SIP calculator & lumpsum calculator, you can calculate returns according to your investment amount.
Here are some of the features of the SBI Lumpsum Calculator on smallcase:
- It is a simple and easy-to-use tool.
- It takes into account the investor’s risk appetite and investment goals.
- It provides a range of investment options, including equity funds, debt funds, and hybrid funds.
- It allows investors to track their investments and see how they are performing.
- It provides information on the taxation implications of lumpsum investments.
Benefits of Using SBI SIP Calculator
You can harness the power of the SBI SIP return rate by leveraging the below-mentioned benefits of the SBI Mutual Fund Calculator and Smallcase SIP Calculator:
Accurate Results
The SBI SIP Calculator empowers you to make informed financial decisions by providing calculator results that give a clear picture of how your investments could potentially grow over time. By using this investment calculator, you can determine how much to invest for reaching your financial goals.
It’s Easy to Use
Since you can use a Smallcase SBI SIP calculator whenever you need, simply input the details to calculate the SBI SIP returns easily. The SIP investment calculator streamlines this process, offering a user-friendly interface.
It’s Free to Use
Anyone can use the SBI calculator or the SBI mutual fund calculator without paying a dime. You can calculate returns and see the benefits of compounding through the SIP interest rate SBI feature for free.
Compounding Interest
SIPs benefit from compounding, where returns are reinvested, leading to exponential growth and wealth accumulation over time. Whether you’re using the SBI Small Cap Fund Calculator or the SBI Small Cap Fund Direct Growth Calculator, you can track your SBI ret with ease, ensuring your perpetual SIP delivers strong returns.
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Frequently Asked Questions
How to start my SBI SIP investment?
Following the below-mentioned steps to open a SIP account in SBI:
1. Go to the SBI Mutual Fund website & Click on the “Invest Now” tab.
2. Select the “SIP” option.
3. Enter your PAN number and contact details.
4. Select the mutual fund scheme you want to invest in.
5. Enter the SIP amount and frequency.
6. Submit the application form.
How to invest in SBI SIP?
An individual looking to begin a new SIP can do so by completing a fresh SIP enrollment form with their preferred duration. Alternatively, they have the option to initiate a new SIP through online channels or by using InvesTap.
How can SBI SIP calculator help you?
The SBI SIP Calculator is a free online tool that helps investors to calculate the potential returns on their SIP mutual fund schemes.
Is SBI SIP calculator Safe?
Yes, investing in SBI SIP is safe. Since it is regulated by AMFI, an association of SEBI registered AMCs, you can easily calculate your returns with SBI SIP calculator.
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 should you invest in SBI SIP scheme?
You should invest in SBI SIP plans for the following reasons: low investment amount, automatic investment, tax benefits, wide range of SIP schemes, good track record, and reliability.
Does SBI SIP have a lock-in period?
SBI SIP plans such as SBI Mid-Cap Fund, SBI Small Cap Fund, SBI Focused Equity Fund & SBI Bluechip Fund does not have a lock-in period.
When can I withdraw my SBI SIP?
You can withdraw your SBI SIP once the lock-in period of 3 years ends for the selected SBI SIP plans.
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