A Systematic Investment Plan is a method of investing through which you regularly invest a fixed sum in Mutual Funds instead of investing a lump-sum. You may choose the investment frequency as per your choice, such as weekly, quarterly, or monthly. Since you invest regularly, you don’t have to track the market closely when it’s up or down, and the consistent investment method averages out your purchase cost over time (also known as rupee cost averaging).
One of the most attractive aspects of SIP investments is that they encourage a disciplined approach to investing, which can help maximize returns and achieve long-term financial goals. The HDFC SIP Calculator supports this process in the following ways:
Tells you how much to invest regularly (SIP) to reach your goal.
Helps you decide how much to invest.
Shows how much return you can expect.
Calculates returns if you increase your SIP amount every year.
The SIP Calculator uses four key parameters to calculate the future value upon maturity of the investment.
Let’s say you want to invest for your retirement. You start investing in one of the HDFC mutual funds at ₹20,000 every month with a 12% annual rate of return for a period of 20 years. What will be the future value of your investments?
Interest rate (i)= 12% p.a.
Total number of installments (n) = 20 years x 12 = 240 months
Fixed Amount of SIP Installment (p) = ₹20,000
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 ₹1,84,00,000.
So, you understand that due to the power of compounding, your invested amount of ₹48,00,000 grows in the future.
Policybazaar HDFC SIP calculator gives the results of potential returns on your MF investments in no time. Policybazaar’s HDFC mutual fund SIP calculator can be used by following these steps:
When you know the amount you are going to invest, you can simply follow the given steps and calculate the monthly, yearly, or lump sum returns on your investments.
Indicate the amount you plan to invest each month.
Specify your expected annual rate of return.
Enter your investment duration in years.
The Policybazaar HDFC SIP calculator will show you the estimated compounded amount and the total accumulated amount at the end of your investment period.
Input your yearly Investment Amount.
Enter your expected annual rate of return.
Enter your investment duration in years.
The SIP calculator will display the wealth you will gain on your investments and the total accumulated amount.
Specify the one-time amount you plan to invest.
Enter your anticipated annual return rate.
Indicate the duration of your investment in years.
The calculator will show your estimated lump sum returns and the total accumulated amount at the end of your investment period.
Enter your goal savings or the target amount you want to generate from your investments.
Specify your planned investment timeframe.
Input the expected rate of return.
The Policybazaar HDFC SIP calculator will promptly display the required monthly investment, your total investment, and the projected wealth gain.
Returns | ||||
---|---|---|---|---|
Fund Name | 5 Years | 7 Years | 10 Years | |
High Growth Fund Max Life | 30.5% | 22.01% |
18.46%
View Plan
|
|
Top 200 Fund Tata AIA | 30.5% | 22.31% |
19.2%
View Plan
|
|
Accelerator Mid-Cap Fund II Bajaj Allianz | 23.3% | 13.3% |
14.54%
View Plan
|
|
Opportunities Fund HDFC Standard | 24.92% | 15.49% |
14.66%
View Plan
|
|
Growth Plus Fund Canara HSBC Oriental Bank | 16.92% | 10.7% |
10.62%
View Plan
|
|
Growth Opportunities Plus Fund Bharti AXA | 22.13% | 15.25% |
14.4%
View Plan
|
|
Multiplier Birla Sun Life | 25.56% | 15.14% |
15.38%
View Plan
|
|
Equity Top 250 Fund Edelwiess Tokio | 19.03% | 12.47% |
11.43%
View Plan
|
|
Opportunities Fund ICICI Prudential | 21.88% | 13.85% |
12.43%
View Plan
|
|
Flexi Growth Fund LIC | - | - |
-
View Plan
|
Returns | ||||
---|---|---|---|---|
Fund Name | 3 Years | 5 Years | 10 Years | |
Active Fund QUANT | 23.92% | 31.48% |
21.87%
|
|
Flexi Cap Fund PARAG PARIKH | 20.69% | 26.41% |
19.28%
|
|
Large and Mid-Cap Fund EDELWEISS | 22.34% | 24.29% |
17.94%
|
|
Equity Opportunities Fund KOTAK | 24.64% | 25.01% |
19.45%
|
|
Large and Midcap Fund MIRAE ASSET | 19.74% | 24.32% |
22.50%
|
|
Flexi Cap Fund PGIM INDIA | 14.75% | 23.39% |
-
|
|
Flexi Cap Fund DSP | 18.41% | 22.33% |
16.91%
|
|
Emerging Equities Fund CANARA ROBECO | 20.05% | 21.80% |
15.92%
|
|
Focused fund SUNDARAM | 18.27% | 18.22% |
16.55%
|
Last updated: June 2025
The Policybazaar HDFC SIP calculator has been proven to be advantageous to you due to the following reasons:
Goal-Based SIP: The HDFC SIP calculator of Policybazaar helps you know the periodic amount of your SIP Investment that helps you achieve your financial goal.
Projected Returns: The calculator helps you get the estimated returns that you will receive through your investments.
Maturity Value: It enables you or other investors to calculate the total value of the investment when the investment tenure is over.
Saves Time & Errors: The Policybazaar HDFC SIP calculator saves on inaccuracies and time spent on manual calculations.
Informed Investment Amount Decisions: It helps you make an informed decision related to the amount you wish to invest in best SIP plans.
The HDFC SIP Calculator is a source of accurate financial planning for you to help you attain your future monetary goals. It estimates probable returns on your SIP mutual fund Investments. The tool is user-friendly, easily accessible, and provides accurate results, making it essential for all those looking to invest in the best SIP plans. By using the HDFC SIP Calculator, you can ensure that you are on track to reach your financial goals and make the most of your investments.
˜Top 5 plans based on annualized premium, for bookings made in the first 6 months of FY 24-25. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. This list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. For a complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website, www.irdai.gov.in
*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.