1. ITI SIP Calculator

ITI SIP Calculator

Estimate future returns and set goals with our ITI SIP calculator. Start growing your wealth with Systematic Investment Plan (SIP) today!

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Investment vs returns

Total value of investment

4,12,431.83

Invested amount

3,00,000.00

Total returns

1,12,431.83

Year wise return summary

SIP payment schedule starting

Calendar Year Wise
YearCumulative InvestmentCumulative
return
Cumulative
return %
Total value of
investment
2025₹25,000.00₹760.083.04%₹25,760.08
2026₹85,000.00₹8,073.749.50%₹93,073.74
2027₹1,45,000.00₹23,924.4616.50%₹1,68,924.46
2028₹2,05,000.00₹49,394.9524.10%₹2,54,394.95
2029₹2,65,000.00₹85,705.2332.34%₹3,50,705.23
2030₹3,00,000.00₹1,12,431.8337.48%₹4,12,431.83

ITI SIP Calculator

Systematic Investment Plans (SIPs) enable you to develop your wealth over time by making small investments at regular intervals. If you also invest in mutual fund SIPs, the ITI SIP Calculator can help you plan investments aligning with your financial objectives.

The calculator helps you identify the finest mutual fund scheme to match your needs.

How does an ITI SIP Calculator work?

An ITI SIP Calculator is an online tool that allows users to evaluate the possible profits from mutual fund SIP. It performs complex calculations within seconds to give the probable future value of your investment based on monthly contribution amount, estimated return rate, and investment period.

Formula to calculate ITI SIP returns

The online SIP calculator uses a simple formula to generate a forecast value for your assets over the specified period:

FV = P x ({[ 1+ i] ^ n -1} / i) x (1+i)

Here,

  • FV = Future value (final payout at maturity)
  • P = Principal investment while starting the SIP
  • i = Annual interest rate (compound interest) in percentage/12
  • n = Number of months or investment duration

Benefits of investing through SIPs

  • SIP provides regular investing which helps in disciplined savings.
  • Rupee cost averaging in SIPs minimises the impact of market fluctuation on your investments.
  • Compounding leads to long-term wealth growth.
  • Anyone can start SIP investments with as little as ₹100 per month.
  • SIP offers the flexibility to pause or switch investments as needed.
  • Mutual fund SIP gives diversification which helps to spread risk across many investments.

How to use the ITI SIP calculator?

To utilise the ITI SIP Calculator, follow these steps:

  • Open the ITI SIP Calculator.
  • Choose the monthly investment amount.
  • Choose an investment period.
  • Enter your projected rate of return.

The ITI SIP calculator will show you how much profit you could make.

How can ITI SIP Return Calculator help you?

  • Growth Estimation: The online tool shows how regular payments can boost your investments.
  • Future Returns: ITI SIP Return Calculator predicts future returns depending on investment amount and duration.
  • Budget Planning: It facilitates fund allocation for attaining reasonable goals.
  • Scenario Analysis: Allows easy comparison between different investment options.
  • Track Progress: Monitor your progress toward financial goals.

Examples of ITI SIP Growth

Example 1:

  • Monthly Investment: ₹3,000
  • Duration: 5 years
  • Expected Annual Rate of Return: 10%
  • Total Investment: ₹3,000 × 12 months × 5 years = ₹1,80,000
  • Expected gain: ₹54,247
  • Future Value: Approximately ₹2,34,247

Example 2:

  • Monthly Investment: ₹2,000
  • Duration: 5 years
  • Expected Annual Rate of Return: 15%
  • Expected Gain: ₹59,363
  • Total Investment: ₹2,000 × 12 months × 5 years = ₹1,20,000
  • Future Value: Approximately ₹1,79,363
Frequently asked questions

Are ITI SIP investments tax-free?

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It depends on the mutual scheme you have selected for the ITI SIP investment.

Is ITI SIP suitable for all investors?

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Yes, ITI SIP offers investment plans catering to people from different income levels.

How much can I invest in ITI SIP?

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The minimum monthly investment for an ITI SIP is ₹100 and there is no cap for maximum investment.

How to use the ITI SIP Calculator?

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Enter your SIP amount, period, and estimated annual return to get the future investment value.

How to extend ITI SIP duration?

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Log in to your account, navigate to SIP administration, and make the necessary changes.

Can I estimate my ITI SIP return online?

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Yes, you can determine your ITI SIP return online with the ITI SIP Calculator.

How does the ITI SIP Calculator work?

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It works on a compound interest formula based on the original investment, length, predicted return rate, and investment frequency.

Can ITI SIP be withdrawn anytime?

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ITI SIP can be discontinued and withdrawn at any time.

Can the ITI SIP amount be increased?

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Yes, the amount of an ITI SIP can be increased by utilizing the top-up feature.