Kotak SIP Calculator

Kotak Mahindra Bank offers various financial services to its customers, including the option for SIP investments. They are designed to assist investors in achieving their financial goals through manageable regular contributions. By using the Kotak SIP Calculator, investors can determine the necessary investment amount over time to achieve their desired returns.

4.8⁺⁺ Rated
12.02 Crore Registered Consumer
51 Partners Insurance Partners
5.9 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

Top Performing^˜ SIPs with High Returns

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

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We are rated⁺⁺

12.02 Crore

Registered Consumer

Insurance Partners

5.9 Crore

Policies Sold

Kotak 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 ₹1.03 Cr

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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

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Top Funds with High Returns (Past 7 Years)

13.18%

Equity Pension

15.49%

Global Equity Index Funds Strategy

19.07%

High Growth Fund

13.4%

Opportunities Fund

21.09%

Multi Cap Fund

14.39%

Accelerator Mid-Cap Fund II

15.84%

Multiplier

14.73%

Frontline Equity Fund

18.41%

Pension Mid Cap Fund

11.46%

Growth Plus Fund

14.6%

US Equity Fund

15.19%

Growth Opportunities Plus Fund

11.84%

Equity Top 250 Fund

14.24%

Future Apex Fund

12.17%

Pension Dynamic Equity Fund

14.64%

Pension Enhanced Equity

What is SIP and How Does It Work?

SIP stands for Systematic Investment Plan. It's a way to invest in mutual funds and other market-linked funds by setting up regular, automatic investments of a fixed amount.

Here's how it works:

You choose a mutual fund or a different market-linked fund scheme and decide how much to invest each time.
The money gets automatically deducted from your bank and invested in the chosen fund.
You get units of the fund based on the prevailing NAV (Net Asset Value).
As the market fluctuates, you buy more units when the NAV is low and fewer units when it's high, balancing out the cost per unit (Rupee-cost averaging).

How to Calculate Returns on Your SIP Investments?

To calculate returns on your SIP investments, you can use the SIP calculator, which is a tool available online. An SIP calculator is an online tool that helps you estimate the returns on your SIP investment. The SIP calculator simplifies the process of calculating the returns on your investments, enabling investors to make informed decisions about their financial goals and investment strategies.

Insurance Companies
Mutual Funds

Fund Name	5 Years	7 Years	10 Years
	Returns
Equity Fund SBI Life Rating	14.4%	13.51%	12.54% View Plan
Opportunities Fund HDFC Life Rating	20.53%	16.41%	14.88% View Plan
High Growth Fund Axis Max Life Rating	26.3%	22.61%	19.07% View Plan
Opportunities Fund ICICI Prudential Life Rating	17.23%	15.17%	13.4% View Plan
Multi Cap Fund Tata AIA Life Rating	22.37%	22.61%	21.09% View Plan
Accelerator Mid-Cap Fund II Bajaj Life Rating	18.03%	14.76%	14.39% View Plan
Multiplier Birla Sun Life Rating	19.93%	16.74%	15.84% View Plan
Pension Mid Cap Fund PNB MetLife Rating	31.41%	24.68%	18.41% View Plan
Growth Plus Fund Canara HSBC Life Rating	13.46%	12.18%	11.46% View Plan
US Equity Fund Star Union Dai-ichi Life Rating	14.54%	-	14.6% View Plan

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Last updated: Nov 2025

Compare more funds

Fund Name	AUM	Return 3 Years	Return 5 Years	Return 10 Years	Minimum Investment	Return Since Launch
Motilal Oswal BSE Enhanced Value Index Fund Regular - Growth	₹822.00 Crs	35.31%	N/A	N/A	₹500	35.07%
Bandhan Small Cap Fund Regular-Growth	₹14,062.19 Crs	29.34%	30.26%	N/A	₹1,000	31.59%
Motilal Oswal Midcap Fund Regular-Growth	₹33,608.53 Crs	25.97%	33.24%	17.66%	₹500	22.31%
ICICI Prudential Infrastructure Fund-Growth	₹7,941.20 Crs	28.79%	37.23%	17.14%	₹5,000	15.97%
Canara Robeco Large Cap Fund Regular-Growth	₹16,406.92 Crs	16.08%	17.34%	13.87%	₹100	12.99%
Mirae Asset Large Cap Fund Direct- Growth	₹39,975.32 Crs	14.85%	17.48%	14.46%	₹5,000	16.26%
Kotak Midcap Fund Regular-Growth	₹57,375.20 Crs	22.42%	27.51%	18.07%	₹100	15.26%
SBI Small Cap Fund-Growth	₹35,562.96 Crs	13.89%	23.99%	18.17%	₹5,000	19.25%
SBI Gold ETF	₹8,810.86 Crs	31.81%	17.85%	15.14%	₹5,000	12.57%

Last updated: October 2025

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Buying the Dip Results in Higher Returns

What is the Kotak SIP Calculator?

Kotak SIP Calculator is a financial tool that helps in the SIP returns calculation with just a few basic details. With the help of the Kotak SIP Calculator, investors can have a clear understanding of how much they need to invest to achieve their desired financial targets. It considers factors like your monthly investment amount, investment tenure, and expected rate of return.

start-an-sip-today-watch-your-money-grow

How can a Kotak SIP Calculator Help an Investor?

Here are some benefits that an investor may enjoy using a Kotak SIP calculator:

Accurate Financial Planning: It helps investors plan their investments more accurately by providing projections of future returns based on different investment amounts and time horizons.
Goal Setting: Kotak SIP calculator allows investors to set specific financial goals, such as saving for a child's education, retirement, or buying a house, and then calculate the required SIP amount to achieve those goals.
Risk Assessment: Investors can use the Kotak SIP calculator to determine the risk associated with their investment plans by analyzing various scenarios and adjusting variables like investment amount, duration, and expected returns.
Comparison Tool: It serves as a comparison tool for different investment options by showing the potential returns and growth of investments under different schemes or fund options.
Realistic Expectations: Kotak SIP calculator provides realistic expectations about the growth of investments, helping investors avoid unrealistic assumptions and make informed decisions.
Time-saving: Instead of manually calculating future values based on different investment scenarios, investors can quickly get accurate results using Kotak SIP calculator, saving time and effort.
Decision Making: It facilitates better decision-making by allowing investors to experiment with different investment amounts, frequencies, and durations to understand how these factors impact their financial goals.
Avoid Errors: They eliminate the risk of manual calculation mistakes, ensuring your estimates are accurate.

How to Use Policybazaar’s Kotak SIP Calculator?

It is easy to use the Kotak SIP calculator. One needs to follow the steps listed below in order to calculate the SIP returns:
Step 1: Visit the Kotak SIP 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 uses the SIP calculator with an assumed 12% average interest rate and you invest for 10 years and want to stay invested for 20 years. Following will be the projected gains.

Total Investment: ₹12L (till 2034)

Maturity Amount: ₹72.2L (till 2044)

start-small-&-build-your-wealth-for-a-brighter-tomorrow

Conclusion

The Kotak SIP calculator proves to be a valuable resource for estimating potential returns from long-term investments. Furthermore, it aids investors in comparing various SIP plans. By analyzing the past year's performance of a scheme, investors can determine the interest rate and forecast returns using a Kotak SIP calculator.

Frequently Asked Questions

How do I open an SIP Account with Kotak?

Opening a SIP account with Kotak can be done effortlessly, either online or offline. You will need to furnish details such as your PAN card, bank account information, mobile number, Aadhaar card particulars, address proof, and contact details. Simply complete your KYC process and submit your application for a SIP account.
What are the benefits of using the Kotak Bank SIP Calculator?

The Kotak SIP calculator is readily available and can be used multiple times at no cost. It offers clear insights into the amount you should allocate to achieve long-term objectives like retirement planning, enabling users to strategize their investments effectively.
What if I invest 3,000 a month in SIP for 5 years?

If you invest Rs. 3000 per month for 5 years with an expected rate of return of 12%. With the help of an SIP calculator, you will get the following values:
Invested amount: ₹1,80,000
Estimated Returns: ₹67,459

Total Values: ₹2,47,459
How is SIP Calculated?

The following formula is used to compound the SIP returns with the help of SIP Calculator:
FV = P x ({[ 1+ i ] ^ n-1 } / i ) x (1+i)
Here,
FV = Future Value (Maturity amount to be received)
P = Amount that the investor invests
i = The rate of interest periodically
n = Total number of payments made by the investor to date
Example, If Rahul invests Rs. 1,000 for 12 months at the rate of 12% in a Kotak bank SIP, then is maturity amount at the end of the tenure will be:
FV = 1,000 ({[1 + 0.01] ^ {12 – 1} / 0.01) x (1 + 0.01)
FV = Rs. 12,809 yearly (approximately)
Does SIP have a lock-in period?

Open-ended mutual funds do not come with a lock in period. However, the lock in period depends completely on the mutual fund purchased. ELSS mutual funds come with a lock in period of 3 years. Other close-ended mutual funds also come with a lock in period.
Can I withdraw my SIP after some time?

A normal SIP can be withdrawn anytime as per the investors’ convenience. Although, if it is an ELSS Equity Linked Savings Scheme, it comes with a 3-year lock-in period.
Can SIP save taxes?

While investing in ELSS (Equity Linked Savings Scheme) Mutual Funds, the investor is allowed to claim tax deductions up to Rs. 1,50,000 under Section 80C of the Income Tax Act, 1961.

˜The insurers/plans mentioned are arranged in order of highest to lowest first year premium (sum of individual single premium and individual non-single premium) offered by Policybazaar’s insurer partners offering life insurance investment plans on our platform, as per ‘first year premium of life insurers as at 31.03.2025 report’ published by IRDAI. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the IRDAI 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.