Index Fund SIP Calculator
An Index Fund SIP is a method of investing in index funds systematically over regular intervals. Index funds are investment funds that aim to replicate the performance of a specific market index, such as the Nifty 50 or the S&P 500. An Index Fund SIP calculator is a valuable tool for investors looking to plan and analyse their investments in index funds.
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- 10.5 Crore Registered Consumer
- 51 Partners Insurance Partners
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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 Investment
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Index Fund SIP Investment
- Index Fund SIP Calculator
Index Fund SIP Calculator
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What are Index Funds SIPs?
Index Funds SIPs combine the power of two investment strategies: Index Funds and Systematic Investment Plans (SIPs). Index Funds SIPs leverage the benefits of both strategies. You invest in a diversified basket of stocks (Index Fund) through regular contributions (SIP). This approach is ideal for long-term wealth creation, as it promotes discipline, minimises investment costs, and captures market growth over time.
Best SIP Funds
Opportunities Fund
₹37,289
₹
After 5 years+ 25.45 %
Accelerator Mid-Cap Fund II
₹5,652
₹
After 5 years+ 23.7 %
Diversified Equity Fund
₹3,581
₹
After 5 years+ 20.33 %
Frontline Equity Fund
₹4,348
₹
After 5 years+ 23.47 %
Grow Money Plus Fund
₹440
₹
After 5 years+ 20.23 %
Diversified Equity Fund
₹3,581
₹
After 5 years+ 20.33 %
Frontline Equity Fund
₹4,348
₹
After 5 years+ 23.47 %
Grow Money Plus Fund
₹440
₹
After 5 years+ 20.23 %
Growth Super Fund
₹13,357
₹
After 5 years+ 19.84 %
Opportunities Fund
₹37,289
₹
After 5 years+ 25.45 %
Accelerator Mid-Cap Fund II
₹5,652
₹
After 5 years+ 23.7 %
Growth Opportunities Plus Fund
₹986
₹
After 5 years+ 22.7 %
Classic Opportunities Fund
₹13,638
₹
After 5 years+ 21.18 %
Opportunities Fund
₹3,368
₹
After 5 years+ 22.49 %
Equity Top 250 Fund
₹539
₹
After 5 years+ 19.66 %
Whole Life Income Fund
₹866
₹
After 5 years+ 6.15 %
Individual Preserver Pension Fund
₹136
₹
After 5 years+ 5.66 %
Whole Life Aggressive Growth Fund
₹878
₹
After 5 years+ 22.55 %
Save N Grow Money Fund
₹65
₹
After 5 years+ 11.74 %
Asset Allocation Fund II
₹295
₹
After 5 years+ 13.59 %
Multi Cap Balanced Fund
₹2,021
₹
After 5 years+ 14.05 %
Super Select Equity Fund
₹1,296
₹
After 5 years+ 20.84 %
Benefits of Index Funds SIPs:
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Long-term wealth creation:
Focuses on consistent growth over market cycles.
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Diversification:
Reduces risk by spreading your investment across various stocks.
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Convenience and affordability:
Easy to start and requires minimal investment amounts.
What is the Index Fund Calculator?
An Index fund SIP calculator is an online tool that can calculate investment returns. It helps investors predict their potential returns when investing in index funds.
The SIP index fund calculator gives a clear idea to the investor about the performance of a scheme based on an offered rate of interest. In addition, an investor may draw several comparisons among different SIP funds using the SIP index fund calculator.
Formula For Index Fund Calculation
The table below shows the returns that you can get by investing in index funds for different investment amounts, rates of return and investment periods:
| Monthly SIP Amount | Expected Rate of Return | Investment Period | Maturity Value |
| ₹5000 | 11% | 7 years | ₹6.21 lakh |
| ₹8000 | 13% | 9 years | ₹15.8 lakh |
| ₹12000 | 10% | 11 years | ₹28.1 lakh |
| ₹2000 | 12% | 14 years | ₹8.27 lakh |
| ₹7000 | 13% | 16 years | ₹41.9 lakh |
- Insurance Companies
- Mutual Funds
| Returns | ||||
|---|---|---|---|---|
| Fund Name | 5 Years | 7 Years | 10 Years | |
| High Growth Fund Max Life | 30.5% | 22.35% |
18.46%
View Plan
|
|
| Top 200 Fund Tata AIA | 30.5% | 22.9% |
19.18%
View Plan
|
|
| Accelerator Mid-Cap Fund II Bajaj Allianz | 23.7% | 13.92% |
14.62%
View Plan
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|
| Opportunities Fund HDFC Standard | 25.45% | 16.09% |
14.71%
View Plan
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|
| Equity II Fund Canara HSBC Oriental Bank | 18.93% | 11.14% |
10.24%
View Plan
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|
| Grow Money Plus Fund Bharti AXA | 20.23% | 14.73% |
13.82%
View Plan
|
|
| Multiplier Birla Sun Life | 26.22% | 15.57% |
15.51%
View Plan
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|
| Equity Top 250 Fund Edelwiess Tokio | 19.66% | 13.08% |
11.42%
View Plan
|
|
| Opportunities Fund ICICI Prudential | 22.49% | 14.32% |
12.37%
View Plan
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|
| 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: May 2025
How Does the Index Fund SIP Calculator Work?
An Index Fund SIP Calculator helps investors plan their investments in a smart and goal-oriented way. In India, these calculators are a combination of two tools:
-
SIP Calculator:
This part estimates the future returns you can earn by investing a fixed amount regularly (monthly) into index funds. You simply enter your monthly SIP amount, the expected rate of return, and the investment duration. The SIP calculator shows how much your investment can grow over time.
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Investment Goal Calculator:
This tool works in reverse. You enter your target investment goal and the time frame to achieve it. The calculator then tells you how much you need to invest each month to reach that goal, based on your expected rate of return.
It’s important to note that the formula and method used are the same as standard mutual fund calculators, regardless of the fund type. Whether you're investing in an index fund, equity mutual fund, or hybrid scheme, the underlying calculation doesn’t change.
How to Use Policybazaar’s Nifty 50 Index Fund Calculator?
It is easy to use the index fund SIP calculator. One needs to follow the steps listed below in order to calculate the SIP returns:
Step 1: Visit the Index fund Calculator on Policybazaar's website
Step 2: Provide the required details, such as investment amount, tenure of investment, expected rate of return, and the number of years you want to stay invested for
Step 3: View the results, including the total investment made and the SIP maturity amount. You can also check various investment plans available for you.
Let us understand it with an example:
If an investor commits to saving ₹10,000 monthly through SIP and utilizes the SIP index fund calculator with an assumed 12% average interest rate over 10 years, they could accumulate around ₹46,46,782. During this period, the total invested amount is ₹24,00,000, resulting in interest earnings of ₹22,46,782.
How can an Index Fund SIP Calculator Help an Investor?
The index fund calculator shows the power of compounding by generating more returns on premium amounts. Here are some benefits that an investor may enjoy using an index fund SIP calculator.
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Goal Planning
Investors can use the calculator to plan for specific financial goals, such as buying a house, funding education, or building a retirement corpus. By inputting the target amount and time horizon, investors can determine the required monthly SIP amount to meet their goals.
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Determination of Amount
An investor using an index fund calculator may determine the amount required to invest to accumulate the desired corpus.
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Time Period
By entering the expected interest rate and premium amount, an individual may decide the time period he is required to stay invested with the SIP investment.
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Convenience
It is straightforward to use the index fund SIP calculator. An investor may quickly calculate the returns by visiting the SIP calculator website.
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Comparison with Other Investment Options
Investors can use the index fund calculator to compare the potential returns of index fund SIPs with other investment options.
Conclusion
The index fund SIP calculator is a helpful tool to calculate the returns one may get in a long-run investment. In addition, it helps the investor in order to make comparisons among different SIP plans. On the basis of the previous year's performance of a scheme, an investor may conclude the rate of interest and determine the returns using an index fund SIP calculator.
FAQs
-
Can the calculator for index fund returns factor in tax-adjusted returns?
No, presently, the calculator for index fund returns does not account for taxes on mutual fund^^ returns in its calculations. -
Are index funds managed actively or passively?
Index funds are managed passively, replicating the composition of the selected index. Consequently, these mutual fund schemes remain free from fund manager bias. -
Is the accuracy of results guaranteed with the online index fund calculator?
The accuracy of results from online index fund calculators in India relies on the user's input. Therefore, the precision of the calculator's outcomes is contingent on the accuracy of the user-provided information. -
What key details do I need to fill in to use the index fund SIP calculator?
Listed below are the following details an investor must fill out to calculate the returns using the index fund SIP calculator.- Monthly amount: The investor may enter the monthly amount to get the result using the SIP index fund calculator.
- Expected rate of return: Next, the investor may enter the expected return he may expect from the money market.
- Time period: The duration or the time period must be filled by the investor while using the SIP calculator index fund.
-
Can I calculate the returns by entering a lump sum amount in the index fund SIP calculator?
Yes, the investor may enter a lump sum amount in the index fund SIP calculator and get the returns at a given interest rate. To do this, an investor must first enter the lump sum amount along with the expected return and time period in the index fund SIP calculator.
˜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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