Pramerica SIP Calculator
The Pramerica SIP Calculator is a tool for calculating the future value of your mutual fund investments. By taking into account factors including your investment amount, tenure, and expected returns, the calculator helps you estimate the potential returns of your SIP investments in a mutual fund scheme of your choice. By anticipating your SIP yields, the Pramerica SIP Calculator encourages you to 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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Pramerica SIP Calculator
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How Does the Pramerica SIP Calculator Work?
The following four variables are taken into account by the SIP calculator to project the potential future value of SIPs.
Understanding SIP Calculation with Example
The calculator of SIP returns and maturity amounts helps you plan your investments effectively. Let's look at the following example to understand how the Pramerica SIP Calculator works.
Imagine you decide to invest for your retirement and begin with investing ₹ 20,000 every month with a 12% annual rate of return for a period of 20 years. What will be the future value of your investments?
Interest rate (i)= 12% p.a.
Total number of installments (n) = 20 years x 12 = 240 months
Fixed Amount of SIP Installment (p) = ₹20,000
By 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 ₹ 1,84,00,000.
So, you come to know that due to the power of compounding, your invested amount of ₹48,00,000 grows in the future. The longer it stays invested, the more it grows.
- Insurance Companies
- Mutual Funds
| Returns | ||||
|---|---|---|---|---|
| Fund Name | 5 Years | 7 Years | 10 Years | |
| High Growth Fund Max Life | 30.5% | 22.35% |
18.46%
View Plan
|
|
| Top 200 Fund Tata AIA | 30.5% | 22.9% |
19.18%
View Plan
|
|
| Accelerator Mid-Cap Fund II Bajaj Allianz | 23.7% | 13.92% |
14.62%
View Plan
|
|
| Opportunities Fund HDFC Standard | 25.45% | 16.09% |
14.71%
View Plan
|
|
| Equity II Fund Canara HSBC Oriental Bank | 18.93% | 11.14% |
10.24%
View Plan
|
|
| Grow Money Plus Fund Bharti AXA | 20.23% | 14.73% |
13.82%
View Plan
|
|
| Multiplier Birla Sun Life | 26.22% | 15.57% |
15.51%
View Plan
|
|
| Equity Top 250 Fund Edelwiess Tokio | 19.66% | 13.08% |
11.42%
View Plan
|
|
| Opportunities Fund ICICI Prudential | 22.49% | 14.32% |
12.37%
View Plan
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|
| Flexi Growth Fund LIC | - | - |
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View Plan
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| Returns | ||||
|---|---|---|---|---|
| Fund Name | 3 Years | 5 Years | 10 Years | |
| Active Fund QUANT | 23.92% | 31.48% |
21.87%
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| 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
How to Use Policybazaar’s Pramerica Mutual Fund SIP Calculator?
Policybazaar’s Pramerica SIP calculator helps you plan your SIP investments. Given below are the steps you can follow to use Policybazaar’s Pramerica MF SIP calculator provided above:
If You Know Your Investment Amount:
The steps below will help you calculate your monthly, yearly, or lump sum investment returns.
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Monthly Return Calculation
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Mention the amount you plan to invest each month.
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Enter your expected annual rate of return.
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Specify your investment duration in years.
The calculator will show you the estimated compounded amount and the total accumulated amount at the end of your investment period.
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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 Policybazaar Pramerica mutual fund SIP calculator will show you 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.
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The SIP calculator India will show your estimated lump sum returns and the total amount you'll have at the end of your investment.
List of Investment Funds
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 Pramerica SIP calculator will instantly show you the required monthly investment, your total investment, and the projected wealth gain.
What are the Advantages of the Policybazaar Pramerica SIP Calculator?
The Pramerica SIP calculator offered by Policybazaar streamlines financial planning for you with the following key advantages:
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Personalized Inputs: By using the Policybazaar Pramerica SIP calculator, you can modify variables such as your investment amount, investment duration, and expected SIP interest rate to align your SIP investments with your unique financial objectives.
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Detailed Planning for Financial Goals: The Policybazaar Pramerica SIP calculator helps you calculate the monthly investment required to achieve your financial goals, ensuring you stay on track with your targets.
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Strategic Savings: By giving you the amount required to reach your monetary goals, the Policybazaar Pramerica calculator of SIP instills a habit of systematic saving in you.
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Right Investment Option: Policybazaar’s Pramerica SIP calculator changes the expected returns outcome with changing inputs such as investment tenor, amount or expected rate of return, so that you select the best SIP plans as per your individual financial goals.
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User-Centric: Any person of any age can easily use it and find out the earnings on their investments; that's a golden advantage of the Policybazaar Pramerica SIP calculator.
Conclusion
By helping you analyze the performance of your SIP Mutual Fund Investments and other related factors, the Pramerica SIP Calculator serves as a source of accurate financial planning, enabling you to attain your future monetary goals. Take the first step of your investment journey in mutual funds with the Pramerica SIP Calculator.
FAQs
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How Can Pramerica SIP Calculator Help You Plan Your Investments?
The Pramerica SIP calculator works based on the formula FV = [P x (1 + i)^n - 1/i] x (1 + i), where FV refers to the Future Estimated Value, P is the Fixed Amount of SIP Installment, i is the compounded rate of return, and n is the total number of installments used to calculate your mutual fund SIP investment returns. -
Is the Pramerica SIP calculator accurate?
With the help of the Pramerica SIP calculator, you get approximate results, not guaranteed ones. The Pramerica SIP calculator is most helpful in planning your investments. -
Can I change my SIP amount using the Pramerica SIP Calculator?
Yes, you can experiment with different SIP amounts using the Pramerica SIP Calculator to see how changes in investment affect your future returns. -
What does the Pramerica SIP Calculator show?
The Pramerica SIP calculator displays the potential returns on your regular contributions to mutual fund investments.
˜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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