Aviva SIP Calculator

Aviva SIP calculator is an online tool that assesses the potential returns on your mutual fund SIP investments. To determine your estimated returns, the calculator considers factors such as the amount you invest, the time period for which you invest, and the expected rate of return. By providing you with this estimate, the Aviva SIP calculator gives you insightful knowledge about your investment, enabling you to make informed decisions about investments and meet your financial goals.

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  • 53 Partners Insurance Partners
  • 6.29 Crore Policies Sold

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  • Start SIP with as low as ₹1000
  • No hidden charges
  • Save upto ₹46,800 in Taxunder section 80C
  • Zero LTCG Tax
  • Disciplined & worry free investing
Top Performing˜ SIPs with High Returns
Invest ₹10k/month & Get ₹1 Cr# Tax-Free*
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13.2 Crore
Registered Consumer
53
Insurance Partners
6.29 Crore
Policies Sold

Aviva SIP Calculator

I want to invest Pro Tip
Financial experts suggest that a person should invest 10-15% of their monthly income for long-term financial growth
/Month
I want to invest for Pro Tip
Financial experts suggest that individuals should ideally invest for a period of 5 to 10 years, or even longer, to maximize the benefits of compounding and navigate market fluctuations effectively
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Expected return Pro Tip
Top 25% of investors consistently generate more than 12% return
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Total Wealth ₹1.03 Cr
View Plans
I want to save
I want to invest for Pro Tip
Financial experts suggest that individuals should ideally invest for a period of 5 to 10 years, or even longer, to maximize the benefits of compounding and navigate market fluctuations effectively
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Expected return Pro Tip
Top 25% of investors consistently generate more than 12% return
% Annually
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Monthly Investment ₹22.4 L
View Plans
Top Funds with High Returns (Past 7 Years)
Equity Pension
11.7%
Equity Pension
Opportunities Fund
13.64%
Opportunities Fund
High Growth Fund
17.59%
High Growth Fund
Opportunities Fund
11.84%
Opportunities Fund
Multi Cap Fund
22%
Multi Cap Fund
Accelerator Mid-Cap Fund II
13.22%
Accelerator Mid-Cap Fund II
Multiplier
14.74%
Multiplier
Frontline Equity Fund
13.3%
Frontline Equity Fund
Virtue II
14.23%
Virtue II
Equity II Fund
9.73%
Equity II Fund
Gift Global Opportunity Maximizer Fund
10.16%
Gift Global Opportunity Maximizer Fund
Growth Opportunities Plus Fund
14.1%
Growth Opportunities Plus Fund
Equity Top 250 Fund
10.69%
Equity Top 250 Fund
Future Apex Fund
12.39%
Future Apex Fund
Pension Dynamic Equity Fund
10.56%
Pension Dynamic Equity Fund
Accelerator Fund
12.93%
Accelerator Fund

How Does Aviva SIP Calculator Work?

The Aviva SIP investment calculator uses four variables to calculate the expected returns of your mutual fund investments made through regular Systematic Investment Plans, or SIPs at the end of the investment period.

The Aviva SIP Calculator works on the basis of the following formula:
FV = P × {[(1 + i)^n - 1] / i} × (1 + i)
Terms used in Aviva SIP Calculator Formula
FV
Future Estimated Value
P
Fixed Amount of SIP Installment
i
Compounded rate of return
n
Total number of instalments

Example of SIP Calculation

To understand how the Aviva SIP Calculator functions, let's look at the following example.

Let's say you are new to investing and want to start with a small amount. You decide to invest ₹2,000 per month for the next 5 years, expecting an annual return of 12%. What will your future value be?

Interest rate (i)= 12% p.a.

Total number of installments (n) = 5 years x 12 = 60 months

Fixed Amount of SIP Installment (p) = ₹2,000

By converting the annual interest rate to monthly and solving the equation based on the formula given above, you arrive at an approximate future value of ₹ 1,62,000. 

So, you come to know that due to the power of compounding, your invested amount of ₹1,20,000 grows in the future. The longer it stays invested, the more it grows on its own growth – that's compounding!

How to Use Policybazaar’s Aviva Mutual Fund SIP Calculator?

You can use Policybazaar’s Aviva Mutual Fund SIP calculator and find out your potential investment returns by following these steps: 

If You Know Your Investment Amount

  1. Monthly Investment Plan

    • Specify your planned monthly investment.

    • Provide the expected annual return.

    • Enter the number of years you'll invest.

    See the total estimated amount you'll have at the end using our SIP calculator.

  2. Yearly Investment Plan

    • Enter the amount you plan to invest annually.

    • Provide your expected annual return.

    • Enter the number of years you'll invest.

    The Policybazaar Aviva mutual fund SIP calculator will show your estimated yearly returns and the total accumulated amount.

  3. Lump Sum Investment

    • Specify the single amount you intend to invest.

    • Enter the anticipated annual return rate.

    • Indicate the investment duration in years.

    The Policybazaar Aviva SIP calculator will display your estimated lump sum returns and the total accumulated amount at the end of your investment period.

  • Insurance Companies
  • Mutual Funds
Returns
Fund Name 5 Years 7 Years 10 Years
Top 300 Fund SBI Life
Rating
8.88% 10.5%
11.55%
View Plan
Opportunities Fund HDFC Life
Rating
12.42% 13.27%
13.64%
View Plan
High Growth Fund Axis Max Life
Rating
17.85% 19.5%
17.59%
View Plan
Opportunities Fund ICICI Prudential Life
Rating
11.28% 11.53%
11.84%
View Plan
Multi Cap Fund Tata AIA Life
Rating
21% 18.96%
22%
View Plan
Accelerator Mid-Cap Fund II Bajaj Life
Rating
12.27% 11.54%
13.22%
View Plan
Multiplier Birla Sun Life
Rating
14.37% 13.37%
14.74%
View Plan
Virtue II PNB MetLife
Rating
12.61% 14.79%
14.23%
View Plan
Equity II Fund Canara HSBC Life
Rating
8.46% 8.24%
9.73%
View Plan
Blue-Chip Equity Fund Star Union Dai-ichi Life
Rating
7.49% 8.34%
9.68%
View Plan
Fund rating powered by
Last updated: Mar 2026
Compare more funds

Fund Name AUM Return 3 Years Return 5 Years Return 10 Years Minimum Investment Return Since Launch
Motilal Oswal BSE Enhanced Value Index Fund Regular - Growth ₹1,748.84 Crs 28.91% N/A N/A ₹500 28.94%
Bandhan Small Cap Fund Regular-Growth ₹20,474.12 Crs 26.07% 20.2% N/A ₹1,000 25.81%
Motilal Oswal Midcap Fund Regular-Growth ₹33,689.20 Crs 17.76% 19.95% 15.5% ₹500 18.83%
ICICI Prudential Infrastructure Fund-Growth ₹8,097.89 Crs 20.26% 23.55% 17.35% ₹5,000 14.94%
Canara Robeco Large Cap Fund Regular-Growth ₹17,103.62 Crs 11.03% 9.6% 12.89% ₹100 11.61%
Mirae Asset Large Cap Fund Direct- Growth ₹40,184.41 Crs 10.21% 9.85% 13.44% ₹5,000 14.5%
Kotak Midcap Fund Regular-Growth ₹61,694.40 Crs 17.96% 16.27% 17.08% ₹100 14.06%
SBI Small Cap Fund-Growth ₹34,931.73 Crs 10.62% 13.02% 16.74% ₹5,000 17.62%
SBI Gold ETF ₹24,897.99 Crs 33.28% 25.87% 16.3% ₹5,000 13.46%

Updated as of Mar 2026

Compare more funds

If You Know Your Goal Amount:

  • Enter the total amount you want to save or generate through investments.

  • Provide the investment time period in years.

  • Mention the expected annual rate of return.

  • The Policybazaar Aviva SIP calculator will instantly show the required monthly investment, your total investment, and the potential wealth you can gain.

What are the Advantages of the Policybazaar Aviva SIP Calculator?

Policybazaar Aviva SIP calculator is beneficial because of its efficient methods and quick results. Some of the benefits offered by the Policybazaar Aviva SIP calculator are: 

  • Estimation: One of the first and foremost advantages of a policybazaar Aviva  mutual fund SIP calculator is helping investors analyze their mutual fund investment returns, giving them an overall picture of how their regular contributions would grow.

  • Goal-Centric Planning: The Policybazaar Aviva SIP calculator helps you estimate how much you need to invest to achieve important financial goals such as retirement and long-term wealth creation. As investors plan these milestones, investors planning long-term wealth creation often evaluate the best SIP plans to align with their financial goals, ensuring their investments stay focused and goal-oriented.

    Start An Sip Today Watch Your Money Grow Start An Sip Today Watch Your Money Grow
  • Calculative Investment Decisions: The policybazaar Aviva SIP calculator's display of potential mutual fund returns is based on calculations that help you make informed investment decisions driven by data.

  • Motivating Investment: Showing how regular small investments lead to a large corpus motivates you to invest and grow your money.

  • Investment Comparison: The policybazaar Aviva SIP calculator’s efficient methods help you compare different SIP plans quickly, helping you select an investment plan suited to your financial objectives.

Conclusion

The Aviva SIP calculator is designed to help investors assess their mutual fund investments returns. It is free, user-friendly, and provides a clear picture of how much your investments will grow by the end of your investment period. Accessing the Aviva SIP calculator is your first step on your investment journey to achieve your ultimate financial objectives.

Start Small & Build Your Wealth For A Brighter Tomorrow Start Small & Build Your Wealth For A Brighter Tomorrow

FAQs

  • Can we use different combinations in the Aviva SIP Calculator?

    Yes, you can try different combinations of monthly contributions, tenures, and ROI to ascertain your target maturity value.
  • Is the Aviva SIP calculator available online?

    Yes, the Aviva SIP calculator is available online. It is a free and easy-to-use calculator.
  • What results do we get on the Aviva SIP calculator?

    You get the potential returns on your mutual fund investments as results on the Aviva SIP calculator.
  • Can we also input a lump-sum value in the Aviva SIP calculator?

    Yes, you can input the value of a lump-sum investment amount along with the investment tenor and expected rate of return in the Aviva SIP calculator to get the estimated maturity amount.

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˜The insurers/plans mentioned are arranged in order of highest to lowest first year premium (sum of individual single premium and individual non-single premium) offered by Policybazaar’s insurer partners offering life insurance investment plans on our platform, as per ‘first year premium of life insurers as at 31.03.2025 report’ published by IRDAI. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the IRDAI website www.irdai.gov.in
Disclaimer:# The investment risk in the portfolio is borne by the policyholder. Life insurance is available in this product. The maturity amount of Rs 1 Cr. is for a 30 year old healthy individual investing Rs 10,000/- per month for 30 years, with assumed rates of returns @ 8% p.a. that is not guaranteed and is not the upper or lower limits as the value of your policy depends on a number of factors including future investment performance. In Unit Linked Insurance Plans, the investment risk in the investment portfolio is borne by the policyholder and the returns are not guaranteed. Maturity Value: ₹1,05,02,174 @ CAGR 8%; ₹50,45,591 @ CAGR 4%. All SIPs listed here are of insurance companies’ funds.
*All savings are provided by the insurer as per the IRDAI approved insurance plan.
++Source - Google Review Rating available on:- http://bit.ly/3J20bXZ
^Section 80C allows annual deductions of up to ₹1.5 lacs from the taxable income. Section 10(10D) provides tax-free maturity benefits for investments of up to ₹2.5 Lacs/ year, on policies bought after 1 Feb 2021. Tax benefits and savings are subject to changes in tax laws.
¶Long-term capital gains (LTCG) tax (12.5%) is exempted on annual premiums up to 2.5 lacs.
^^The information relating to mutual funds presented in this article is for educational purpose only and is not meant for sale. Investment is subject to market risks and the risk is borne by the investor. Please consult your financial advisor before planning your investments.

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