LIC SIP Calculator
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 factors such as your investment tenor, investment amount, and anticipated rate of return to determine expected returns, helping you align your investments with your future financial goals.
- 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 Taxunder section 80C
- Zero LTCG Tax
- Disciplined & worry free investing
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LIC 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 plan Calculator works.
Let's say you want to start investing now to build a large 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 Instalment (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.
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, that's compounding!
How to Use Policybazaar’s LIC SIP Calculator?
Given below are the steps you can follow to use Policybazaar’s LIC SIP Plan calculator:
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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
- Specify the amount you plan to invest each month.
- Enter your expected annual rate of return.
- 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.
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Yearly Return Calculation
- Specify your yearly Investment Amount.
- Enter your expected annual rate of return.
- 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
- Specify the one-time amount you plan to invest.
- Enter your anticipated annual return rate.
- Indicate the duration of your investment in years.
The LIC SIP plan calculator will display your estimated lump sum returns and the total accumulated amount at the end of your investment period.
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If You Know Your Goal Amount:
- Enter your target savings or the amount you want to generate from your investments.
- Specify your planned investment timeframe.
- Input the expected rate of return.
- The Policybazaar LIC SIP calculator will instantly display the required monthly investment, your total investment, and the projected wealth gain.
- Insurance Companies
- Mutual Funds
| Returns | ||||
|---|---|---|---|---|
| Fund Name | 5 Years | 7 Years | 10 Years | |
| Equity Pension SBI Life | 11.72% | 13.19% |
13.47%
View Plan
|
|
| Opportunities Fund HDFC Life | 14.49% | 15.87% |
15.46%
View Plan
|
|
| High Growth Fund Axis Max Life | 20.07% | 21.94% |
19.19%
View Plan
|
|
| US Growth Fund ICICI Prudential Life | 15.25% | - |
18.03%
View Plan
|
|
| Multi Cap Fund Tata AIA Life | 17.46% | 21.68% |
21.01%
View Plan
|
|
| Accelerator Mid-Cap Fund II Bajaj Life | 13.92% | 13.99% |
14.94%
View Plan
|
|
| Multiplier Birla Sun Life | 15.77% | 16.05% |
16.36%
View Plan
|
|
| Virtue II PNB MetLife | 14.38% | 16.75% |
15.62%
View Plan
|
|
| Equity II Fund Canara HSBC Life | 10.47% | 11.1% |
11.61%
View Plan
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|
| US Equity Fund Star Union Dai-ichi Life | 13.31% | - |
13.59%
View Plan
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|
| 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% |
Updated as of Feb 2026
What are the Advantages of the LIC SIP Calculator?
With the help of the LIC SIP plan Calculator, we can choose the best SIP plans and make informed decisions. The advantages offered by the SIP calculator are:
- Scenario Analysis: With the flexibility to adjust key variables such as investment tenor, amount, and expected returns, the 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.
- Disciplined Investing: By helping you define a specific SIP investment amount to achieve your financial targets, the LIC SIP calculator encourages regular investment habits.
- 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.
- Free and Accessible Investment Insights: The first step towards your investment should be free of cost; hence, the calculator offers unlimited free access.
- Identifying Potential Risks and Rewards: By determining your expected returns and investment tenor, the LIC SIP plan 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 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.
FAQs
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Does the LIC SIP Calculator guarantee returns?
No, the calculator only gives an estimate based on the assumed rate of return you enter. Actual returns will depend on the performance of the underlying fund or product and can be higher or lower than the estimate. -
How accurate are the results of a LIC SIP Calculator?
The mathematical calculation itself is accurate for the inputs you provide, but the final projection is only as realistic as the return rate and tenure you choose. Market volatility, charges, and taxes can cause actual outcomes to differ from the estimate. -
Can I compare different LIC SIP plans using the calculator?
Yes, you can input different schemes or different assumed return rates and tenures to see how the maturity value changes. This helps you compare plans and choose an option that suits your risk appetite and goals. -
What is the difference between a LIC SIP Calculator and a lumpsum calculator?
A LIC SIP Calculator estimates returns on periodic monthly investments, while a lumpsum calculator projects growth on a one‑time investment. Some tools offer both modes so you can compare which approach works better for you.
˜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
*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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