HDFC SIP Calculator
Key takeaways
- You put in ₹30.00 L over 10 years; compounding adds ₹28.08 L on top, taking the corpus to ₹58.08 L.
- Growth contributes 48.35% of the final corpus; your own deposits make up the other 51.65%.
- At 13% instead of 12%, the corpus would be ₹3.59 L higher — ₹61.67 L in all.
- 5 more years (15 in total) would take it to ₹1.26 Cr — 2.2× the 10-year figure.
Yearly schedule
| Year | Invested | Growth | Value |
|---|---|---|---|
| 1 | ₹3.00 L | ₹20,233 | ₹3.20 L |
| 2 | ₹3.00 L | ₹60,847 | ₹6.81 L |
| 3 | ₹3.00 L | ₹1.07 L | ₹10.88 L |
| 4 | ₹3.00 L | ₹1.58 L | ₹15.46 L |
| 5 | ₹3.00 L | ₹2.16 L | ₹20.62 L |
| 6 | ₹3.00 L | ₹2.82 L | ₹26.44 L |
About the HDFC SIP Calculator
A HDFC SIP is a Systematic Investment Plan into mutual fund schemes offered through HDFC — a fixed amount invested every month. The mechanics are the same as any SIP: regular contributions that average your cost across market levels and compound over time.
This calculator projects what a monthly SIP in HDFC mutual funds grows to at an expected annual return. The return on a market-linked fund is not fixed, so the figure is a projection based on the rate you enter.
Frequently asked questions
How is a HDFC SIP return calculated?
With the standard SIP formula: FV = P × ([(1 + i)ⁿ − 1] ÷ i) × (1 + i), where P is the monthly amount, i is the annual rate ÷ 12 and n is the number of months. The maths is the same for any fund house.
Is a HDFC SIP return guaranteed?
No. A HDFC SIP invests in market-linked mutual funds, so the actual return varies with the market and the schemes you pick. The rate you enter is a planning assumption, not a guarantee.
Is a HDFC SIP different from a regular SIP?
Only in the fund house. The SIP mechanism — fixed monthly investment, rupee-cost averaging, compounding — is identical; what differs is the specific schemes, their costs and their performance, none of which this calculator models.
What is the minimum HDFC SIP amount?
Many schemes allow SIPs from as little as ₹500 a month, though the exact minimum depends on the specific fund. Check the scheme details before starting.
Can I pause or stop a HDFC SIP?
Yes. SIPs are flexible — you can usually pause, modify or stop them with no penalty (unlike a recurring deposit), and you can step up the amount over time with a top-up.
Disclaimer: This calculator is for information and education only. It is not investment advice and not a recommendation to buy, sell or hold any investment. Where a rate of return, inflation or growth is an input, it is an assumption: actual returns vary and are not guaranteed, and past performance may or may not be sustained in future. It does not take your personal circumstances into account. Mutual fund investments are subject to market risks; read all scheme-related documents carefully. Every figure is computed solely by applying the formula and assumptions stated on this page to the inputs you entered.