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Calculate SIP returns with rupee-cost averaging for wealth building
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Amount Invested
Estimated Returns
A Systematic Investment Plan (SIP) is a disciplined method to invest a fixed amount regularly—typically monthly—in mutual funds. Instead of trying to time the market with a lumpsum, SIP spreads investments across market cycles, reducing your exposure to timing risk through a process called rupee-cost averaging. When market prices are low, your fixed amount buys more units; when prices are high, it buys fewer units. This averaging effect smooths out market volatility and is particularly powerful in India's dynamic market conditions. SIP is ideal for salaried professionals, freelancers, and business owners looking to build long-term wealth for goals like retirement, child education, or home ownership. AMFI data shows that SIP investors achieve better psychological discipline and stick to investing even during market downturns, leading to superior long-term wealth creation. Most mutual funds allow SIPs starting as low as ₹500 per month, making it accessible to all income levels.
FV = P × ((1+r)^n − 1) / r × (1+r)Where:
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