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 analyze their investments in index funds.

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Index Fund SIP Calculator
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Maturity Amount
PROJECTED GAINS
Top Funds with High Returns (Past 7 Years)
Whole Life Mid Cap Equity Fund
21.26%
Whole Life Mid Cap Equity Fund
Midcap Fund
19.27%
Midcap Fund
High Growth Fund
19.25%
High Growth Fund
Multiplier
18.89%
Multiplier
Accelerator Mid-Cap Fund II
17.74%
Accelerator Mid-Cap Fund II
Opportunities Fund
17.65%
Opportunities Fund
Classic Opportunities Fund
15.17%
Classic Opportunities Fund
Opportunity Fund
14.13%
Opportunity Fund
Flexi Cap
13.98%
Flexi Cap
Save N Grow Money Fund
10.82%
Save N Grow Money Fund

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 fosters discipline, minimizes investment costs, and captures market growth over time.

Benefits of Index Funds SIPs:

  • Long-term wealth creation: Focuses on consistent growth over market cycles.

  • Diversification: Reduces risk by spreading your investment across various stocks.

  • 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 the returns on investment. 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.

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.

  1. 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.

  2. Determination of Amount

    An investor using an index fund calculator may determine the amount required to invest to accumulate the desired corpus.

  3. 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.

  4. Convenience

    It is straightforward to use the index fund SIP calculator. An investor may quickly calculate the returns by visiting the SIP calculator website.

  5. 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.

Formula For Index Fund Calculation

The Index Fund calculator uses the following formula to calculate returns on your Index Fund SIP investment: 

The Index Fund Calculator works based on the following formula
P = FV / ((1 + r)n - 1) / r) × (1 + r)
Terms used in Index Fund Calculator
P
Monthly SIP Investment amount required
FV
Maturity Value of Investment
r
Expected rate of return
n
number of monthly SIP Investments

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 out 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.

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.

FAQ's

  • 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 is the least amount I can invest in SIP?

    INR 500 is the minimum amount an investor may consider investing in SIP on a monthly basis. However, there is no limit to increasing the amount. 
  • What are the minimum and maximum tenures in SIP?

    There is no minimum or maximum tenure laid down in SIP. An investor, if he deems fit, may invest for one year and withdraw the amount after ceasing it. He is only required to inform or notify the fund house about the ceasing of policy. 
  • 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 pause my investment if I'm not capable of paying premiums?

    Yes, the investment under SIP can be paused for a specific period.
  • 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.
  • What are some of the best-performing funds in order to compare among nifty index funds using the SIP calculator?

    Listed below are the best nifty funds in 2023 that yield good returns, which can be used using the index fund SIP calculator.
    • ICICI Prudential Nifty Index Fund
    • Principal Nifty 100 Equal Weight Fund
    • UTI Nifty Index Fund
    • Franklin India Index Fund Nifty Plan
    To get the better idea of SIP plans, it is suggested to study the best SIP plans in the market before investing.

*All savings are provided by the insurer as per the IRDAI approved insurance plan.
*Tax benefit is subject to changes in tax laws. Standard T&C Apply
~Source - Google Review Rating available on:- http://bit.ly/3J20bXZ
^10(10D) Tax benefit are for Investments made up to Rs.2.5 L/ yr and are subject to change as per tax laws.
^^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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