LIC SIP Calculator
Are you looking for a user-friendly online tool that gives you the estimated returns on your mutual fund investments in no time? The LIC SIP Calculator is a tool used for calculating the potential returns on your LIC mutual fund investments through Systematic Investment Plans (SIPs). The calculator takes into account three important factors, including your investment tenor, investment amount, and anticipated rate of return, to determine the expected returns, helping you align your investments with your future financial goals.
- 4.8++ Rated
- 10.5 Crore Registered Consumer
- 51 Partners Insurance Partners
- 5.3 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
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SIP Calculator
- LIC SIP Calculator
SIP Calculator
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How Does LIC SIP Calculator Work?
The SIP Calculator uses four key parameters to project the investment's future value at maturity.
Example of SIP Calculation
Let's look at the following example to understand how the LIC SIP Calculator works.
Let's say you wish to start investing now to have a huge corpus in the future. Suppose for a period of 20 years, you wish to invest ₹ 2,00,000 every year with a 12% annual rate of return. What will be the future value of your investments?
Interest rate (i)= 12% p.a.
Total number of installments (n) = 1 year x 20 = 20 years
Fixed Amount of SIP Installment (p) = ₹2,00,000
After converting the annual interest rate to monthly and solving the equation based on the formula given above, you arrive at an approximate future value of ₹ 1,61,00,000.Â
Hence, we can say that due to the power of compounding, your invested amount of ₹ 40,00,000 grows in the future. The longer it stays invested, the more it grows on its own growth – that's compounding!
Best SIP Funds
Large Cap Equity Fund
₹2,675
₹
After 5 years+ 24.16 %
Accelerator Mid-Cap Fund II
₹5,652
₹
After 5 years+ 23.5 %
Diversified Equity Fund
₹3,581
₹
After 5 years+ 20.46 %
Frontline Equity Fund
₹4,348
₹
After 5 years+ 23.32 %
Grow Money Plus Fund
₹440
₹
After 5 years+ 20.11 %
Large Cap Equity Fund
₹2,675
₹
After 5 years+ 24.16 %
Diversified Equity Fund
₹3,581
₹
After 5 years+ 20.46 %
Frontline Equity Fund
₹4,348
₹
After 5 years+ 23.32 %
Grow Money Plus Fund
₹440
₹
After 5 years+ 20.11 %
Growth Super Fund
₹13,357
₹
After 5 years+ 19.55 %
Accelerator Mid-Cap Fund II
₹5,652
₹
After 5 years+ 23.5 %
Growth Opportunities Plus Fund
₹986
₹
After 5 years+ 22.47 %
Classic Opportunities Fund
₹13,638
₹
After 5 years+ 21.11 %
Opportunities Fund
₹3,368
₹
After 5 years+ 22.34 %
Equity Top 250 Fund
₹539
₹
After 5 years+ 19.59 %
Whole Life Income Fund
₹866
₹
After 5 years+ 6.19 %
Whole Life Aggressive Growth Fund
₹878
₹
After 5 years+ 22.28 %
Save N Grow Money Fund
₹65
₹
After 5 years+ 11.66 %
Asset Allocation Fund II
₹295
₹
After 5 years+ 13.64 %
Multi Cap Balanced Fund
₹2,021
₹
After 5 years+ 13.99 %
Super Select Equity Fund
₹1,296
₹
After 5 years+ 21.51 %
How to Use Policybazaar’s LIC Mutual Fund SIP Calculator?
Given below are the steps you can follow to use Policybazaar’s LIC SIP mutual fund calculator provided above:
If You Know Your Investment Amount:
By simply following the given steps, you can calculate the monthly, yearly, or lump sum returns on your investments.
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Monthly Return Calculation
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Specify the amount you plan to invest each month.
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Enter your expected annual rate of return.
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Enter your investment duration in years.
The Policybazaar LIC SIP calculator will display the estimated compounded amount and the total accumulated amount at the end of your investment period.Â
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Yearly Return Calculation
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Specify your yearly Investment Amount.
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Enter your expected annual rate of return.
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Enter your investment duration in years.
The calculator will display the wealth you will gain on your investments and the total accumulated amount.
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Lump Sum Return Calculation
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Specify the one-time amount you plan to invest.
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Enter your anticipated annual return rate.
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Indicate the duration of your investment in years.
The SIP calculator will display your estimated lump sum returns and the total accumulated amount at the end of your investment period.
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- Insurance Companies
- Mutual Funds
| Returns | ||||
|---|---|---|---|---|
| Fund Name | 5 Years | 7 Years | 10 Years | |
| High Growth Fund Max Life | 27.23% | 21.27% |
18.4%
View Plan
|
|
| Top 200 Fund Tata AIA | 30.27% | 21.85% |
17.46%
View Plan
|
|
| Accelerator Mid-Cap Fund II Bajaj Allianz | 23.5% | 12.95% |
14.48%
View Plan
|
|
| Opportunities Fund HDFC Standard | 25% | 15.05% |
14.6%
View Plan
|
|
| Equity II Fund Canara HSBC Oriental Bank | 18.91% | 10.51% |
10.19%
View Plan
|
|
| Growth Opportunities Plus Fund Bharti AXA | 22.47% | 15.13% |
14.44%
View Plan
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|
| Multiplier Birla Sun Life | 25.79% | 14.35% |
15.33%
View Plan
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|
| Equity Top 250 Fund Edelwiess Tokio | 19.59% | 12.39% |
11.49%
View Plan
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| Opportunities Fund ICICI Prudential | 22.34% | 13.61% |
12.29%
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%
|
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| Large and Mid-Cap Fund EDELWEISS | 22.34% | 24.29% |
17.94%
|
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| Equity Opportunities Fund KOTAK | 24.64% | 25.01% |
19.45%
|
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| Large and Midcap Fund MIRAE ASSET | 19.74% | 24.32% |
22.50%
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| Flexi Cap Fund PGIM INDIA | 14.75% | 23.39% |
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| Flexi Cap Fund DSP | 18.41% | 22.33% |
16.91%
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| Emerging Equities Fund CANARA ROBECO | 20.05% | 21.80% |
15.92%
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| Focused fund SUNDARAM | 18.27% | 18.22% |
16.55%
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Last updated: May 2025
If You Know Your Goal Amount:
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Enter your target savings or the amount you want to generate from your investments.
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Specify your planned investment timeframe.
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Input the expected rate of return.
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The Policybazaar LIC SIP calculator will instantly display the required monthly investment, your total investment, and the projected wealth gain.
What are the Advantages of the Policybazaar LIC SIP Calculator?
With the help of LIC SIP Calculator, we can choose the best SIP plans and make informed decisions. The advantages offered by the Policybazaar LIC SIP calculator are:Â
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Scenario Analysis: With the flexibility to adjust key variables such as investment tenor, amount, and expected returns, the Policybazaar LIC SIP calculator allows you, and other investors to conduct scenario analyses. This helps in comparing different investment strategies and selecting the one that best suits your financial needs.
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Disciplined Investing: By helping you define a specific SIP investment amount to achieve your financial targets, the Policybazaar LIC SIP calculator encourages regular investment habits.
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Strategizing Your Financial Future: By forecasting the potential growth of your SIP investments, this calculator assists you in deciding and investing the appropriate sum to fulfill your financial aspirations.
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Free and Accessible Investment Insights: The first step towards your investment should be free of cost; hence, the Policybazaar LIC SIP calculator offers unlimited access, empowering everyone to plan their investments without any cost.
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Identifying Potential Risks and Rewards: By determining your expected returns and investment tenor, the Policybazaar LIC SIP calculator helps you understand the potential risks and rewards involved before you invest.
Conclusion
The LIC SIP Calculator helps you get an idea of what your SIP mutual fund investment would look like upon maturity. By reducing manual calculations on your part, the SIP calculator helps you focus on accurate financial planning that aligns with your investment target. Your mutual fund investment journey commences with the LIC SIP calculator.Â
FAQs
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Why the LIC SIP calculator?
The LIC SIP calculator helps you understand how much your SIP investments will grow over time. -
Can we use the LIC SIP calculator more than once?
Yes, you can use the LIC SIP calculator as many times as you want. -
Is the LIC SIP calculator accurate?
With the help of the LIC SIP calculator, you get approximate results, not guaranteed ones. The LIC SIP calculator is most helpful for planning your investments. -
Is the LIC SIP calculator helpful?
Indeed! The LIC SIP calculator is an easy-to-use online tool that helps streamline our investments according to our future financial goals.
˜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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