SIP കാല്ക്കുലേറ്റര്
SIP വഴി മ്യൂച്ചല് ഫണ്ട് നിക്ഷേപം ആസൂത്രണം ചെയ്ത് ഭാവി വരുമാനം കണക്കാക്കൂ.
നിക്ഷേപ തുക
കണക്കാക്കിയ റിട്ടേൺസ്
ആകെ മൂല്യം
നിക്ഷേപം /മാസം, വർഷം, വാർഷിക റിട്ടേണിൽ ആകെ സമ്പത്ത്
SIP എന്താണ്?
SIP stands for Systematic Investment Plan. It is a method of investing a fixed amount regularly (usually monthly) in mutual funds. SIP allows investors to buy units of a mutual fund scheme on a fixed date every month, enabling them to invest in a disciplined manner without the need to time the market.
SIPs are one of the most popular investment methods in India, with over 9 crore SIP accounts as of 2025. They work on the principle of rupee cost averaging and the power of compounding to create significant wealth over time.
SIP Calculation Formula
The future value of a SIP investment is calculated using:
Where:
SIP യുടെ ഗുണങ്ങൾ
SIP vs Lumpsum Investment
| Parameter | SIP | Lumpsum |
|---|---|---|
| Investment Style | Fixed amount at regular intervals | One-time large investment |
| Market Timing | Not required | Important for better returns |
| Risk | Lower (rupee cost averaging) | Higher (depends on entry point) |
| Best For | Salaried individuals, beginners | Experienced investors with surplus |
| Minimum Amount | ₹500/month | ₹5,000 (varies by fund) |
In volatile markets, SIP tends to outperform lumpsum due to rupee cost averaging. However, in a consistently rising market, lumpsum can deliver better returns since the entire amount is invested from day one.
