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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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

Top Performing^˜ SIPs with High Returns

Invest ₹10k/month & Get ₹1 Cr^# Tax-Free^*

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Index Fund SIP Calculator

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

Years

Expected return Pro Tip

Top 25% of investors consistently generate more than 12% return

% Annually

Total Wealth ₹22.4 L

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

Years

Expected return Pro Tip

Top 25% of investors consistently generate more than 12% return

% Annually

Monthly Investment ₹22.4 L

View Plans

Top Funds with High Returns (Past 7 Years)

17.8%

High Growth Fund

19.89%

India Consumption Fund

14.38%

Accelerator Mid-Cap Fund II

14.35%

Global Equity Index Funds Strategy

12.37%

Opportunities Fund

15.28%

Multiplier

14.65%

Virtue II

10.35%

Equity II Fund

13.39%

Accelerator Fund

10.98%

Pension Dynamic Equity Fund

13.83%

Frontline Equity Fund

12.06%

Equity Pension

11.23%

Equity Top 250 Fund

14.26%

Growth Opportunities Plus Fund

13.11%

Future Apex Fund

11.65%

US Equity 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 promotes discipline, minimises 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 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

Fund Name	5 Years	7 Years	10 Years
	Returns
High Growth Fund Axis Max Life Rating	28.6%	21.1%	17.8% View Plan
India Consumption Fund Tata AIA Life Rating	25.48%	20%	19.89% View Plan
Accelerator Mid-Cap Fund II Bajaj Allianz Rating	19.39%	11.93%	14.38% View Plan
Opportunities Fund HDFC Life Rating	20.73%	14.01%	14.14% View Plan
Opportunities Fund ICICI Prudential Life Rating	19.14%	12.55%	12.37% View Plan
Multiplier Birla Sun Life Rating	21.15%	13.75%	15.28% View Plan
Virtue II PNB MetLife Rating	20.18%	15.56%	14.65% View Plan
Equity II Fund Canara HSBC Life Rating	15.77%	9.36%	10.35% View Plan
Balanced Fund LIC India Rating	10.31%	-	- View Plan
Equity Fund SBI Life Rating	16%	11.19%	11.58% View Plan

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Last updated: Jul 2025

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Fund Name	3 Years	5 Years	10 Years
	Returns
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

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Buying the Dip Results in Higher Returns

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.
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.

Start An Sip Today Watch Your Money Grow

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.

Start Small & Build Your Wealth For A Brighter Tomorrow

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.

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.
Determination of Amount

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

It is straightforward to use the index fund SIP calculator. An investor may quickly calculate the returns by visiting the SIP calculator website.
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 plans are based on annualized premium, for bookings made through https://www.policybazaar.com in FY 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
Disclaimer:# The investment risk in the portfolio is borne by the policyholder. Life insurance is available in this product. The maturity amount of Rs 1 Cr. is for a 30 year old healthy individual investing Rs 10,000/- per month for 30 years, with assumed rates of returns @ 8% p.a. that is not guaranteed and is not the upper or lower limits as the value of your policy depends on a number of factors including future investment performance. In Unit Linked Insurance Plans, the investment risk in the investment portfolio is borne by the policyholder and the returns are not guaranteed. Maturity Value: ₹1,05,02,174 @ CAGR 8%; ₹50,45,591 @ CAGR 4%. All SIPs listed here are of insurance companies’ funds.
*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.