SIP Calculator (Mutual Fund Wealth Growth)
Discover the exponential power of compounding. Calculate future returns on your Monthly SIP, Lumpsum Mutual Funds, and Step-up SIPs with precise capital gains projections.
Investment Parameters
Tax Efficiency & Capital Gains Advisory
Did you know long-term capital gains (LTCG) above ₹1.25 Lakhs from equity mutual funds are taxed at 12.5% under Section 112A? Let our CAs optimize your asset allocation and tax harvesting.
Year-on-Year Wealth Accumulation Schedule
See exactly how your wealth expands year by year as compounding kicks into overdrive.
| Year | Annual Investment | Total Invested | Wealth Gained | End-of-Year Balance | Growth Ratio |
|---|
Mutual Fund Taxation in India (Budget 2024/2025/2026)
Know your capital gains tax liability before redeeming mutual fund units.
Equity Mutual Funds
>65% Domestic Equity| Holding Period | Classification | Tax Rate |
|---|---|---|
| Less than 12 Months | STCG (Section 111A) | 20% flat + cess |
| 12 Months or More | LTCG (Section 112A) | 12.5% on gains exceeding ₹1.25 Lakh |
| ELSS Schemes | Tax Saver (Sec 80C) | Deduction up to ₹1.5L (3-year lock-in) |
Debt & International Funds
Fixed Income & Others| Fund Category | Holding Period | Tax Rate |
|---|---|---|
| Pure Debt Funds (<35% Equity) | Any tenure | Taxed at applicable slab rate |
| Hybrid Funds (35% - 65% Equity) | More than 24 Months | 12.5% LTCG without indexation |
| Dividends / IDCW | Any frequency | Taxed at individual slab rate |
SIP & Investment FAQs
Everything you need to know about SIP compounding, taxation, and planning.
In a Systematic Investment Plan (SIP), you invest a fixed sum at regular intervals (monthly or quarterly), enabling rupee cost averaging and eliminating the need to time the market. In a Lumpsum investment, you commit a single large amount at one go, which is ideal when you receive a bonus or windfall gains.
As your income grows with annual increments, a Step-Up SIP automatically raises your contribution by 5% to 15% each year. For instance, stepping up a ₹10,000 monthly SIP by 10% annually can produce more than 60% higher maturity corpus over 15 years compared to a flat SIP.
Mutual fund asset management companies (AMCs) do not levy any penalty for pausing or missing an installment. However, your bank may charge NACH/ECS bounce charges if your account has insufficient balance on the scheduled deduction date.