HDFC SIP Calculator 2025
HDFC SIP Calculator is an online tool that enables you to calculate the potential returns on your HDFC mutual fund investments through Systematic Investment Plans (SIPs). It uses three variables, including your investment amount, investment tenor, and expected rate of return to estimate the expected returns on your SIP investments.
- 4.8++ Rated
- 10.5 Crore Registered Consumer
- 51 Partners Insurance Partners
- 5.3 Crore Policies Sold
SIP Benefits
- Start SIP with as low as ₹1000
- No hidden charges
- Save upto ₹46,800 in Tax under section 80C^
- Zero LTCG Tax¶
- Disciplined & worry-free investing
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SIP Calculator
- HDFC SIP Calculator
HDFC SIP Calculator
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How Does HDFC SIP Calculator 2025 Work?
The SIP Calculator uses four key parameters to calculate the future value upon maturity of the investment.
Understanding HDFC SIP Calculation with Example
With the help of the following example, let us understand how the HDFC SIP Calculator works.
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. The longer it stays invested, the more it grows on its own growth – that's compounding!
Best SIP Funds
Opportunities Fund
₹35,672
₹
After 5 years+ 25.73 %
Accelerator Mid-Cap Fund II
₹5,410
₹
After 5 years+ 24.15 %
Diversified Equity Fund
₹3,524
₹
After 5 years+ 21.02 %
Frontline Equity Fund
₹4,206
₹
After 5 years+ 24.13 %
Grow Money Plus Fund
₹434
₹
After 5 years+ 20.74 %
Diversified Equity Fund
₹3,524
₹
After 5 years+ 21.02 %
Frontline Equity Fund
₹4,206
₹
After 5 years+ 24.13 %
Grow Money Plus Fund
₹434
₹
After 5 years+ 20.74 %
Growth Super Fund
₹13,305
₹
After 5 years+ 20.11 %
Opportunities Fund
₹35,672
₹
After 5 years+ 25.73 %
Accelerator Mid-Cap Fund II
₹5,410
₹
After 5 years+ 24.15 %
Growth Opportunities Plus Fund
₹969
₹
After 5 years+ 23.22 %
Classic Opportunities Fund
₹13,357
₹
After 5 years+ 21.83 %
Opportunities Fund
₹3,245
₹
After 5 years+ 22.95 %
Equity Top 250 Fund
₹535
₹
After 5 years+ 20.13 %
Whole Life Income Fund
₹872
₹
After 5 years+ 6.22 %
Whole Life Aggressive Growth Fund
₹849
₹
After 5 years+ 22.92 %
Save N Grow Money Fund
₹63
₹
After 5 years+ 11.95 %
Asset Allocation Fund II
₹297
₹
After 5 years+ 13.85 %
Multi Cap Balanced Fund
₹2,007
₹
After 5 years+ 14.34 %
Super Select Equity Fund
₹1,239
₹
After 5 years+ 21.56 %
How to Use Policybazaar’s HDFC Mutual Fund SIP Calculator?
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:
If You Know Your Investment Amount:
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.
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Monthly Return Calculation
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Indicate the amount you plan to invest each month.
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Specify your expected annual rate of return.
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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.
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Yearly Return Calculation
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Input your yearly Investment Amount.
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Enter your expected annual rate of return.
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Enter your investment duration in years.
The SIP calculator will display the wealth you will gain on your investments and the total accumulated amount.
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Lump Sum Return Calculation
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Specify the one-time amount you plan to invest.
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Enter your anticipated annual return rate.
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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.
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If You Know Your Goal Amount:
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Enter your goal savings or the target amount you want to generate from your investments.
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Specify your planned investment timeframe.
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Input the expected rate of return.
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The Policybazaar HDFC SIP calculator will promptly display the required monthly investment, your total investment, and the projected wealth gain.
- Insurance Companies
- Mutual Funds
| Returns | ||||
|---|---|---|---|---|
| Fund Name | 5 Years | 7 Years | 10 Years | |
| High Growth Fund Max Life | 27.23% | 21.27% |
18.4%
View Plan
|
|
| Top 200 Fund Tata AIA | 31.36% | 21.73% |
17.46%
View Plan
|
|
| Accelerator Mid-Cap Fund II Bajaj Allianz | 24.15% | 12.92% |
14.99%
View Plan
|
|
| Opportunities Fund HDFC Standard | 25.73% | 14.99% |
15.14%
View Plan
|
|
| Equity II Fund Canara HSBC Oriental Bank | 19.44% | 10.32% |
10.53%
View Plan
|
|
| Grow Money Plus Fund Bharti AXA | 20.74% | 13.95% |
14.2%
View Plan
|
|
| Multiplier Birla Sun Life | 26.67% | 14.27% |
15.83%
View Plan
|
|
| Equity Top 250 Fund Edelwiess Tokio | 20.13% | 12.14% |
11.86%
View Plan
|
|
| Opportunities Fund ICICI Prudential | 22.95% | 13.36% |
12.55%
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%
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| Large and Mid-Cap Fund EDELWEISS | 22.34% | 24.29% |
17.94%
|
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| Equity Opportunities Fund KOTAK | 24.64% | 25.01% |
19.45%
|
|
| Large and Midcap Fund MIRAE ASSET | 19.74% | 24.32% |
22.50%
|
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| Flexi Cap Fund PGIM INDIA | 14.75% | 23.39% |
-
|
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| Flexi Cap Fund DSP | 18.41% | 22.33% |
16.91%
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| Emerging Equities Fund CANARA ROBECO | 20.05% | 21.80% |
15.92%
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| Focused fund SUNDARAM | 18.27% | 18.22% |
16.55%
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|
Last updated: May 2025
What are the Advantages of the Policybazaar HDFC SIP Calculator?
The Policybazaar HDFC SIP calculator has been proven to be advantageous to you due to the following reasons:
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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.
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Projected Returns: The calculator helps you get the estimated returns that you will receive through your investments.
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Maturity Value: It enables you or other investors to calculate the total value of the investment when the investment tenure is over.
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Saves Time & Errors: The Policybazaar HDFC SIP calculator saves on inaccuracies and time spent on manual calculations.
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Informed Investment Amount Decisions: It helps you make an informed decision related to the amount you wish to invest in best SIP plans.
Conclusion
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.
FAQs
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Why HDFC SIP calculator?
With the HDFC SIP calculator you will be able to calculate your expected returns based on your investment amount, investment tenure and the fund's historical returns. -
What are the features of the HDFC SIP calculator?
Estimating the maturity value of mutual fund SIP investments, providing instant results, changing investment outcomes based on changing inputs, and offering no-cost usage are some of the common features of the HDFC SIP Calculator. -
How does SIP calculation work on the HDFC SIP Calculator?
The HDFC SIP calculator works based on the formula FV = [P x (1 + i)^n - 1/i] x (1 + i), where FV refers to the Future Estimated Value, P is the Fixed Amount of SIP Installment, i is the compounded rate of return, and n is the total number of installments used to calculate your mutual fund SIP investment returns. -
Is the HDFC SIP calculator accurate?
With the help of the HDFC SIP calculator, you get approximate results, not guaranteed ones. The HDFC SIP calculator is most helpful in planning 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.
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