SIP Calculator

No. SIP returns in mutual funds are market-linked and not guaranteed. Equity SIPs can deliver higher returns over the long term, but they carry risk. Debt fund SIPs are more stable but offer lower returns. Always invest based on your risk profile and time horizon.

Missing a SIP installment is not a default. Your investment simply doesn't happen for that month. Most fund houses allow 2–3 missed installments before pausing the SIP. You won't be penalised, but try to maintain consistency as regular investing is the foundation of SIP.

Yes! Most mutual funds allow SIP starting from ₹500/month. Some index funds accept ₹100/month. Starting small is far better than not starting at all — you can always increase the amount later.

For most investors, monthly SIP is simpler and equally effective. Weekly SIP can provide slightly better rupee cost averaging, but the difference over 10+ years is marginal. Consistency matters far more than frequency.

For conservative planning: 10–11% for large-cap equity, 12–13% for diversified equity (Nifty 50 historical), 6–8% for debt funds, 7.1% for PPF. Always model multiple scenarios using our calculator — try 10%, 12%, and 14% to see the range.

Yes. You can pause most SIPs for 1–3 months without cancelling them, or cancel anytime. Your invested units remain in your folio earning returns. Starting and stopping frequently, however, defeats the purpose of rupee cost averaging.

FDs offer guaranteed, fixed returns (6–7%) with no market risk. SIPs invest in market-linked funds that can deliver 10–14% CAGR over the long run, but returns are not guaranteed. FDs suit short-term goals; SIPs suit long-term wealth creation.