Find out how your systematic investment plan (SIP) grows into wealth over time with the power of compounding.
⚠️ Returns shown are estimated. Mutual fund investments are subject to market risk. Past performance does not guarantee future returns.
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Check Financial Health Score →Systematic Investment Plans (SIPs) allow you to invest a fixed amount in a mutual fund at regular intervals — typically monthly. This approach removes the need to time the market and builds the discipline of regular investing, making it ideal for salaried individuals in India.
The magic of SIP lies in compounding. When your returns generate their own returns, the growth becomes exponential over time. A monthly SIP of just ₹5,000 at 12% annual return over 20 years can grow to over ₹49 lakhs — while you've only invested ₹12 lakhs. The remaining ₹37+ lakhs is pure compounding wealth.
A common rule of thumb is to invest at least 20% of your monthly income via SIP or other savings instruments. If you earn ₹60,000 per month, aim to invest at least ₹12,000 monthly. Even starting with ₹1,000–₹2,000 and increasing annually is far better than waiting to invest a large amount.