HDFC SIP Calculator - Calculate returns on SIP Investments Online

SIP is the abbreviation for a Systematic Investment Plan wherein an investor can invest a fixed amount regularly in the mutual funds of their choice. In this way, with this financial instrument, a fixed amount is deducted from the savings account of the investor every month and is invested in the Mutual Funds of their choice. One can opt for monthly, weekly, or quarterly SIP plans.

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HDFC is one of those financial institutions that provide an individual an option for investment in Mutual Funds via SIP. In addition to this, the company also offers the benefit of HDFC SIP Calculator to its investors. This SIP Calculator by HDFC helps the investors to calculate the returns that they can get by investing their money in such funds.    

How Does HDFC SIP Calculator Work?

In the HDFC SIP Calculator, one needs to input different parameters as per his/her preference and the calculator then provides actionable results with a complete insight into the performance of the HDFC fund. Some of the best direct mutual funds offered by HDFC mutual fund are HDFC Balanced Advanced Growth Fund, HDFC Small Cap Fund-Growth, HDFC Equity Savings Fund Growth, and HDFC Mid-Cap Opportunities Fund-Growth.  

The SIP Calculator of HDFC works on a very easy philosophy and is backed-up by an intelligent algorithm. An investor must mention desired values in different fields of this calculator. Some of the common fields of this calculator are – expected percentage of return, the desired value of corpus at maturity, investment amount per month, specific HDFC fund on which the investor is counting as well as period of investment. With the help of these inputs, the calculator will give the best possible result after scanning different direct funds of HDFC.

In this way, one can meet his/her long- and short-term goals for sure by getting a strategic guide from the SIP Calculator of HDFC.

This calculator uses the below-mentioned formula for calculating the returns from the SIP returns of an individual:

A = M x [{(1 + I) ^b – 1} / I] x (1 + I)

Where A is the amount that will be received on the maturity of the investment, M is the amount that is periodically invested, b is the number of payments that have already been made, and I is the applicable interest rate.

For example, if one wants to invest Rs.2, 000 every month for 12 months at the rate of 14%, then the amount he/she will get on the maturity will be:

A = 2000 x [{(1+14) ^ 12 – 1} /14] x (1+14)

A = Approximately 25, 900

Note: The investor should know that the rate of interest on SIP varies as per the conditions of the market. Therefore, they must be conscious at the time of data entry on the HDFC SIP Calculator.

Mentioned below are the returns that one can avail by investing in some of the top HDFC SIP Mutual Funds:

Fund Name

1 – Year Return

3 – Year Return

HDFC Mid-Cap Opportunities Fund

-10.49%

4.9%

HDFC Hybrid Equity Fund

1.58%

8.61%

HDFC Equity Fund

-5.95%

8.53%

HDFC Top 100 Fund

-0.38%

9.63%

Disclaimer: Policybazaar does not endorse, rate, or recommend any particular insurer or insurance product offered by an insurer.

How Can an HDFC SIP Calculator Help You?

Many investors are considering SIP's most preferred choice for investing especially in mutual funds. The main reason for the same is SIP's nature to allow its investors to invest in a small amount of capital in a specific period instead of a lump-sum payment at once. Moreover, it is one of the lucrative ways of investment that allows individuals to get a much more controlled approach towards investment.

In addition to this, the SIP calculator HDFC is one of the best tools that enable an individual to know the future value of the amount that he/she needs to invest to get the desired amount in the future. Mentioned below are some of the major benefits of using HDFC SIP calculator:

  • It helps the investors to make an informed decision related to the amount they wish to invest in.
  • The calculator also helps the individuals to know their periodic amount of SIP that helps them to achieve a goal.
  • It also helps the investors to get the returns that they will receive through their investment.
  • This calculator allows the investors to calculate their returns of SIP investment if they have selected to top-up their amount every year.

Advantages of Using HDFC SIP Plan Calculator

The investors can get the following benefits by using HDFC SIP calculator:

  • It enables the investors to calculate the total value of the investment when the investment tenure gets over.
  • It saves inaccuracies and time of manual calculations.
  • This calculator helps the SIP investors to invest in a well-planned manner and as per their expected returns.

In this way, we can say that the SIP calculator HDFC is one of the smartest and useful ways of investment so that the investors can make a comprehensive decision about the investment.

How to Use HDFC SIP Calculator

Mentioned below are the steps of using this calculator:

  • Step 1: Select the mutual fund scheme that one wants to invest in.
  • Step 2: Enter the amount that one wishes to make.
  • Step 3: Select the period of investment.
  • Step 4: Click the calculate button.

HDFC SIP Calculator - FAQs

Question 1: Is SIP a mutual fund?

Answer: A Systematic Investment Plan or SIP allows you to invest a fixed amount of money at regular intervals in a mutual fund. To understand this, let us take an example if a person starts a monthly SIP and starts investing Rs.100 in it, then this amount will automatically be deducted from his/her account every month and will be invested in a mutual fund on the pre-decided date. In this way, SIP is an automated plan of regular investment in some mutual fund schemes.

Question 2: What is the process to begin investing in SIP?

Answer: There are two methods of investing in a SIP:

  • Physically: Under this method, one has to fill the physical form of a selected mutual fund scheme. With the purchase request form for the first time investment, one has to attach a cheque and then submit it to the nearest HDFC Bank branch.
  • Online: One can as well begin his/her SIP online by logging to the net banking account and then opting for the investment in the mutual funds.

Question 3: How can one select the correct date for SIP?

Answer: There is no certain formula or process of choosing the right date for SIP. It completely depends on an individual to select the SIP date when he/she has funds in his/her account to direct debit. Generally, it is advised to select a date after the 10th of every month as by then most of us have enough funds in our accounts.

Question 4: What will happen if I miss my date of SIP payment?

Answer: The auto-debit feature is associated with every SIP payment you opt for. So, it is impossible to miss any date of SIP payment. The specific amount for SIP is auto-debited from the selected bank account on your selected SIP date.

Question 5: What if I do not have enough amount in my bank account?

Answer: Your SIP will remain active even if you do not have enough funds in your bank account for any reason. However, the only glitch is that you will miss the installment (s).

Question 6: Is it possible to reduce the SIP amount?

Answer: You can either begin a new SIP with a new and lower amount or stop your present SIP.

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HDFC SIP Calculator - Calculate returns on SIP Investments Online Reviews & Ratings

4.3 / 5 (Based on 25 Reviews)
(Showing Newest 25 reviews)
Raj
Ooty, September 02, 2020
Start with minimum amount
I have recently got the SIP plan from the policybazaar and it is really easy to get the plan from the online market. Not only this you can also start from the minimum amount of Rs. 500. It is very much convenient in nature and I really love my plan. Thank you policybazaar.
Adnan
Kohima, September 02, 2020
Great assistance
I have got the good amount of benefits from the policybazaar. The customer care team of policybazaar is very good and they understood my query very well. Thank you so much team for better assistance.
Suraj
Yamunanagar, September 01, 2020
Long term and beneficial
It is always a preferred thing that to get the SIP plan for the longer period of time. I really like the plan as I wanted it to be invested for at-least 10-12 years so that I can get the optimum profit out of the same. Thank you policybazaar.
Sonu
Bhilaad, September 01, 2020
Investment plan
I have taken the pension plan from the policybazaar and it is one of the best investment plan. It has the long term effect on the person and I can easily invest and can get the better returns in the future. Thank you policybazaar.
Ananya
Islampur, May 25, 2020
Online process
The whole process of buying the policy is on online basis. It was quite easy as I searched on website and explored various plans. I found it good and bought one.
Ashish
Sarsawa, May 24, 2020
Convenience
I am very impressed with the services of policybazaar. They are really quick. Also, it is very convenient to buy the investment plan.
Kushal
East Midnapore, May 23, 2020
Long term gains
It is the process of long term gain and to sustain our future from certain hurdles. As the things have become expensive and we should save money. So, these investments plans helps in saving money.
Divyanshu
Hagaribommanahalli, May 22, 2020
Great support system
I love the services of policybazaar and the employees working there. It’s really nice that they gave me a lot many choices related to the investment plans. Unique way to invest.
Vijay
Mansur, May 21, 2020
Choices are given
While you are planning to take the SIP from policybazaar. You can have a lot many choices to choose out of different investment plans. I got the best one and I like it.
Manish
R.g.pur, May 11, 2020
A call away
I am happy that I bought my SIP plan from policybazaar. As they are just a call away. I was having a problem with my SIP and they resolved in few minutes.
Kishan
Sialhawk, May 10, 2020
Flexibility
I can see that SIP are flexible in nature. We can choose any kind of Mutual fund and also the amount which we have to invest. Quite simple.
Jatin
Vizianagaram, May 10, 2020
Helps in financial way
It helps me in dealing with financial things. As nowadays everything has become too costly. But with the help of SIP I can manage with my finances and can save money every month for a long term investment.
Vijay
Dabhoda, May 09, 2020
Good customer service
The customer service team of policybazaar is very nice. I was in a doubt before buying a SIP plan, but with the help of them I got to know about a best plan which is according to my budget.
Rakesh
Adimali, May 07, 2020
Best Returns
I recently purchased the SIP plan for me and for my wife. I found it totally good and apt for us. It is a long term investments with great number of benefits. Thank you team policybazaar for such nice plan.
Tripti
Agalpur, April 08, 2020
One stop and best plans
I got the SIP plan with the help of policybazaar. It is one stop solution. With great returns and monthly plan I am very satisfied. If so ever I need help from the customer care team they are available to help me.
Madhuban
Zotlang, April 06, 2020
Great Returns
It is a great source of return. I have started doing it from last 2 years and I am feeling relaxed that after a certain age I would be having a good amount of money with better returns.
Mustafir
Agra, April 03, 2020
Good policy
SIP plan is quite trending and useful nowadays. It has reflected a great impact on our society. As people are more concern about future planning and saving the money. Even the SIP plans gives us good returns after a certain period of time.
Varun
Adivada, March 31, 2020
Good customer care
The customer care team is quite helpful and nice. I got full and accurate information from them. They are not so disturbing. They have a good knowledge related to the product.
Vaibhav
Ahmedpur, March 27, 2020
Easy to get plan
It is easy to get the plan. I just visited the website of policybazaar. And I got various plans. Then I called the customer care team and they explained me about each and every plan. I chose the best one.
Subhas
Ahmedpur, March 23, 2020
Good plans
I visited the website of policybazaar and found good number of plans for future savings and investments. SIP is very important for everyone who wants a good satisfaction and more savings in his or her life. I would love to recommend all these plans to my friends and family.
Keshavkant
Jatga, January 20, 2020
Reach Your Goals
After a certain period of time you can reach your goal. I have seen that higher you invest there will be higher risk but you can earn well. But lower the investment low risk and low returns. Well, I have started with a less amount so that I can check and analyse. But gradually after sometime I will get a good amount. Thanks policybazaar.
Jaikant
Pathankot, January 13, 2020
Earn Money on your Investment
It is a good way to invest money and you can earn benefits and profits in your money only. A convenient way to invest and utilise your amount. Initially I found it little bit confusing but after a while everything is being okay. People who are planning in a long term investments can do such things.
Sailja
Satlasana, January 08, 2020
Systematic Investment Plan
It is a good plan. My friend recommended me to get this plan so that I can invest some amount of money into this. Ultimately I will gain benefits after a certain period of time. It is a good plan by policybazaar and I would recommend to everyone.
Zakir
Machantola, December 31, 2019
Systematic way for making money
I have gone through the plans of policybazaar. And found that it is a systematic way to invest and gain money. The whole process is simple and you can check on time to time basis regarding your investments.
Vishal
Ara, December 26, 2019
Good Returns In Long Term
I feel that while investing into this plan I have gained knowledge regarding the same. Also, after a certain good investment I will get the good returns. Though it is long term process but surely will be good for my future. Thank you team policybazaar.
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