SIPs have become a popular investment option these days because they offer a safe and convenient way to build a large corpus over the long term with small investments. Systematic Investment Plans (SIPs) are a process of investing a fixed amount in mutual funds at regular intervals. Investors can start their journey with just Rs. 100, making it accessible to people from all walks of life.
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Investors in India are particularly fond of SIPs because they balance market fluctuations and have the potential to deliver superior returns over the long term. Many financial experts advise that regular monthly investments not only develop discipline but also provide significant returns through compounding.
How much will a monthly SIP of Rs. 8,000 yield in 10 years?
If a person makes a monthly SIP of ₹8,000 for a period of 10 years, they invest a total principal of ₹960,000. At an estimated annual return of 12%, this investment could reach approximately ₹1859,000. Of this amount, approximately ₹899,000 is received as returns, while the rest is your principal. It is the effect of compounding that exponentially increases investments over time.
Using SIP calculations gives investors a clear idea of potential returns and helps them understand how large a corpus their regular monthly deposits can create over the long term.
Perform SIP calculations from home on your mobile phone
Today, online SIP calculators make this process extremely easy. Numerous websites and apps are available online that help you predict the future of your investments. These tools are easy to use and provide complete returns within seconds.
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How to use a SIP calculator?
First, you need to search for a SIP calculator online. Then, visit a trusted website of your choice and enter details such as monthly investment, estimated return rate, and investment period. Once you enter the information, the SIP calculator will provide a complete estimate of the total investment, return, and maturity amount. Groww, Zerodha, and many other platforms offer calculators that are easy to use for both new and experienced investors.
The SIP calculator not only provides estimates but also helps you understand how long it will take to invest to achieve your financial goals. This has made it a vital digital tool for investment planning.