Mutual Fund Calculator
Compare SIP vs Lumpsum investments and plan your mutual fund portfolio with our comprehensive calculator
Mutual Fund Calculator
SIP Investment Benefits
- • Rupee cost averaging reduces market timing risk
- • Disciplined investing through automation
- • Flexible amounts and easy to start/stop
- • Perfect for regular income earners
- • Power of compounding over time
Investment Analysis
SIP vs Lumpsum Comparison
Projected Returns for Various Durations
| Years | Invested Amount | Maturity Value | Wealth Gained |
|---|---|---|---|
| 1 | ₹60,000 | ₹64,047 | ₹4,047 |
| 3 | ₹180,000 | ₹217,538 | ₹37,538 |
| 5 | ₹300,000 | ₹412,432 | ₹112,432 |
| 10 | ₹600,000 | ₹1,161,695 | ₹561,695 |
| 15 | ₹900,000 | ₹2,522,880 | ₹1,622,880 |
| 20 | ₹1,200,000 | ₹4,995,740 | ₹3,795,740 |
| 25 | ₹1,500,000 | ₹9,488,175 | ₹7,988,175 |
| 30 | ₹1,800,000 | ₹17,649,569 | ₹15,849,569 |
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View All CalculatorsWhat are Mutual Funds?
Mutual funds are investment vehicles that pool money from multiple investors to invest in diversified portfolios of stocks, bonds, and other securities. They offer professional management, diversification, and flexibility in investment approaches.
Professional Management: Experienced fund managers handle portfolio decisions
Diversification: Spread risk across multiple assets and sectors
Liquidity: Easy to buy and sell units on any business day
Affordability: Start investing with as little as ₹500
Types of Mutual Funds
Equity Funds
Invest primarily in stocks for long-term capital appreciation. Higher risk but potential for higher returns over time.
Debt Funds
Invest in bonds and fixed-income securities. Lower risk with steady returns, suitable for conservative investors.
Hybrid Funds
Balanced mix of equity and debt for moderate risk and returns. Ideal for investors seeking balanced exposure.
SIP vs Lumpsum Investment
Understanding the two main investment approaches
SIP (Systematic Investment Plan)
Best for: Regular income earners, long-term goals, market volatility protection
Lumpsum Investment
Best for: Surplus funds, market corrections, long-term horizons, experienced investors
Popular Fund Categories
Choose funds based on your risk appetite and investment horizon
Large Cap Funds
Invest in established large companies with stable growth and lower volatility.
Mid Cap Funds
Focus on medium-sized companies with high growth potential and moderate risk.
Small Cap Funds
Invest in small companies with highest growth potential but higher volatility.
Debt Funds
Conservative option with steady returns from government and corporate bonds.
Balanced Funds
Mix of equity and debt providing balanced risk-return profile.
Index Funds
Passive funds tracking market indices with low costs and broad diversification.
Mutual Fund Investment Tips
Expert advice for successful mutual fund investing
Define Your Goals
Clearly define your investment objectives, time horizon, and risk tolerance before selecting mutual funds.
Diversify Portfolio
Spread investments across different fund categories, market caps, and sectors to reduce overall risk.
Review Performance
Regularly monitor fund performance against benchmarks and peer funds, but avoid frequent switching.
Consider Costs
Compare expense ratios and opt for direct plans to minimize costs and maximize long-term returns.
Stay Invested
Maintain long-term perspective and avoid panic selling during market downturns for optimal results.
Step Up SIPs
Increase your SIP amount annually to align with income growth and beat inflation effectively.