See what a monthly SIP would have grown into — on real NAV history, with optional annual step-up. Pick a scheme, set your plan, get the full run-down.
A Systematic Investment Plan (SIP) invests a fixed sum in a mutual fund at regular intervals — usually monthly. It automates rupee-cost averaging: you buy more units when NAVs are low and fewer when they're high, smoothing out market timing.
Instalments use the nearest previous available NAV for each date (markets are closed on weekends and holidays). The SIP day is clamped to the month's length (e.g. the 30th becomes Feb 28).
Every SIP instalment is a separate investment with its own holding period. As a rough guide for units bought on or after 23 July 2024: equity-oriented funds held over 12 months face 12.5% LTCG above ₹1.25 lakh/year; shorter holdings face 20% STCG. Debt-oriented fund gains are taxed at your slab rate. Tax rules change — treat this as orientation, not tax advice.
Step-up increases how much you invest, not the return rate — but because you invest more in later years, it substantially grows the final corpus. A 10% annual step-up on a 10-year SIP roughly doubles total invested versus a flat SIP.
Over long periods the SIP date barely matters — studies repeatedly show the difference between dates is noise. Pick the date right after your salary credit so you never miss an instalment.
XIRR is the annualised return of irregular cashflows — the single number that accounts for when each instalment went in. It's the fair way to compare a SIP against a lumpsum or another fund.
Live from mfapi.in, a free mutual-fund NAV API. Scheme lists refresh daily; NAV histories are fetched per scheme on demand.
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