HDFC SIP Calculator

HDFC SIP Calculator

Check your potential SIP growth using the calculator, and confidently plan your investments.

I know my investment amount I know my goal amount

Monthly SIP Yearly SIP Lumpsum

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

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Top Funds with High Returns (Past 7 Years)

12.82%

Equity Pension

16.01%

Global Equity Index Funds Strategy

18.66%

High Growth Fund

18.03%

US Growth Fund

20.71%

Multi Cap Fund

14.38%

Accelerator Mid-Cap Fund II

15.76%

Multiplier

14.43%

Frontline Equity Fund

15.05%

Virtue II

11.18%

Growth Plus Fund

13.59%

US Equity Fund

15.28%

Growth Opportunities Plus Fund

11.86%

Equity Top 250 Fund

13.63%

Future Apex Fund

11.75%

Pension Dynamic Equity Fund

14.14%

Accelerator Fund

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

Policybazaar HDFC SIP calculator gives the results of potential returns on your SIP investments in no time. Policybazaar's HDFC mutual fund SIP calculator can be used by following these steps:

1. 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.

   1. Monthly Return Calculation

      • 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. 

   2. Yearly Return Calculation

      • 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.

   3. Lump Sum Return Calculation

      • 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.

2. If You Know Your Goal Amount:

   • 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.

What is the HDFC SIP Calculator?

The HDFC SIP Calculator is a digital planning tool designed to show the possible outcome of SIP systematic investments made in HDFC SIP Plans. It gives investors a rough estimate of how much their money could grow over a selected period.

Functions of HDFC SIP Calculator:

• Calculates the expected value of your SIP investment at maturity
• Breaks down the total amount invested and estimated gains
• Helps investors align SIP investments with long-term financial goals

Key Reasons Investors Choose HDFC Mutual Funds:

• HDFC Mutual Fund is a well-established fund house with years of market experience
• It gives a strong, research-driven investment approach
• It offers a wide range of mutual fund schemes across equity, debt, and hybrid segments
• The HDFC investment plans are suitable for first-time investors as well as long-term wealth builders.

How Does HDFC SIP Calculator Work?

The HDFC SIP Calculator operates on the basis of regular investment and compound growth. It gives a quick, planning-friendly view of likely outcomes so you can compare options and set realistic goals.

• It displays how much your SIP will be worth when it matures.
• The calculator shows the total amount invested and the expected gains as separate numbers.
• It can also work backwards to figure out how much SIP you need to save each month to accomplish a certain goal (goal-based calculation).

Details to Enter:

• SIP amount- The set amount you will invest each month.
• Investment tenure- How long you plan to keep your money in the investment (in years or months).
• Expected annual return- The rate at which you think the fund will grow each year (this is used to figure out the monthly rate).

Estimation Method:

• The SIP calculator estimates returns using monthly compounding. 
• It converts the expected annual return into a monthly rate and applies it to each instalment. 
• The results are indicative and based on assumed market performance. 
• These outcomes can help you plan your finances, but actual returns may vary depending on market movements.

Formula to Estimate Returns in HDFC SIP Calculator

The HDFC SIP Calculator applies a standard compound interest formula to estimate the future value of HDFC SIP investments:

This formula explains how consistent investing and the power of compounding work together over time.

Example to Understand HDFC SIP Returns

Let us understand the working of the HDFC SIP Calculator with a simple illustration.

If you want to get financial stability, so you decide to put ₹20,000 into an HDFC SIP every month. You want to keep your money saved for 5 years and get an average of 12% back each year.

HDFC SIP Plan Details:

Estimated Outcome of HDFC SIP Calculator:

The HDFC SIP investment calculator will show you the following results: 

This example shows how steady investing through SIPs can help create substantial savings over time.

Why Invest in HDFC Mutual Fund SIP Plans?

The HDFC SIPs offer the following advantages for investors:

• Trusted Fund House: HDFC Mutual Fund is a well-known and reliable name in India, giving investors confidence and peace of mind.
• Wide Choice of Funds: It offers many SIP options, such as equity, debt, hybrid, and tax-saving funds, so investors can choose as per their goals and risk level.
• Professional Fund Management: HDFC SIPs are managed by competent fund managers who watch markets and make informed investment decisions.
• Perfect for Long-Term Objectives: These SIP plans are appropriate for long-term wealth accumulation, retirement planning, and child education.
• Disciplined and Simple Investing: SIPs lessen the impact of market fluctuations and promote consistent saving through modest monthly installments.