RBI Repo Rate: 6.50% SBI Home Loan: 8.50% HDFC Home Loan: 8.70% SSY Rate: 8.20% (Tax-Free) PPF Rate: 7.10% (EEE)
🇮🇳 HISSABBHARAT • Configured for Indian Banks, Post Office & Income Tax Slabs
  1. HISSABBHARAT Home
  2. /
  3. SIP, Step-Up SIP & Lumpsum Calculator
Switch Tool: Home Hub Loan EMI SIP & Mutual Fund Sukanya (SSY) PPF (7.1%) Bank FD & RD NPS & Gratuity

Mutual Fund SIP, Step-Up SIP & Lumpsum Calculator

Model regular monthly SIPs, annual top-up SIPs, or one-time lumpsum investments in Nifty 50 Index & Flexi Cap funds.

₹
%
Yrs
%
Expected Maturity Value
₹88,45,210
₹88.45 Lakh Maturity Value
Total Capital Invested ₹38,12,698
Estimated Wealth Gain ₹50,32,512
Wealth Multiplier 2.32x
Total Invested
Compounding Gain

Year-by-Year SIP Compounding Schedule

Track how your monthly SIP and annual step-up contributions compound each year.

Year & Monthly SIP Cumulative Invested Total Wealth Gain Year-End Corpus

Why Step-Up SIP Beats Standard SIP in Indian Equity Markets

By increasing your monthly SIP in a low-cost Nifty 50 Index Fund or Flexi Cap Fund by just 10% annually in line with salary increments or dearness allowance hikes, your 15-year maturity corpus nearly doubles compared to a static SIP.

FV = P × [((1 + i)^n − 1) / i] × (1 + i)

Looking to balance equity volatility with sovereign tax-free debt? Compare your SIP projections with the Sukanya Samriddhi Yojana (8.20%) Calculator and the Public Provident Fund (7.10%) Calculator.

Explore All Interlinked HISSABBHARAT Financial Calculators

Every tool is directly linked for seamless cross-comparison between bank loans, mutual fund SIPs, and government schemes.

All Calculators Hub → Compare SBI, HDFC, ICICI, PNB loan rates & search all HISSABBHARAT calculators. Home, Car & Personal Loan EMI → Calculate Home, Car & Personal loan EMI with annual prepayment savings. SIP, Step-Up SIP & Lumpsum (Current Page) Mutual fund monthly SIP, annual Step-Up SIP & Lumpsum wealth compounding. Sukanya Samriddhi Yojana (8.2%) → Sukanya Samriddhi Yojana 8.20% tax-free maturity & 21-year passbook table. Public Provident Fund (15+ Yrs) → Public Provident Fund 7.10% interest with 15, 20, 25 & 30-year blocks. Fixed & Recurring Deposit → Indian Bank Fixed & Recurring Deposit with Senior Citizen +0.50% & TDS alert. NPS, Gratuity & Leave Encashment → NPS pension, 15/26 Gratuity formula & Earned Leave Encashment calculator.