HDFC SIP (Systematic Investment Plan) Calculator Online
Calculate the future value of your SIP investment
Goal Amount
Expected Return (P.A)
Time Period
Summary
To achieve a goal amount of ₹15,00,000 in 10 year(s), and at 5% inflation, you would need to invest ₹9,20,869 at a 10% rate of return.
Summary
To achieve a goal amount of ₹15,00,000 in 10 year(s), and at 5% inflation, you would need to invest ₹9,20,869 at a 10% rate of return.
Total Investment Breakup
Lumpsum Investment
Interest Earned
Total Investment
Year | Investment Amount (₹) |
Wealth Gained (₹) |
Expected Amount (₹) |
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HDFC SIP Calculator
All you need to know about HDFC Systematic Investment Plan Calculator (SIP)
A Systematic Investment Plan (SIP) is a convenient way for investors to steadily grow their wealth by making regular, smaller contributions to mutual funds. This approach is regarded as one of the smartest investment options available, offering the potential for attractive returns over time. While a fixed deposit offers a guaranteed return, the SIP rate of interest in HDFC mutual funds can be much higher over the long term, particularly in equity funds. To gain insight into the potential returns from a SIP investment, you can utilise an online tool known as a SIP calculator.
For instance, you can use the smallcase HDFC Mutual Fund SIP calculator to estimate the returns that an investment made today might generate in the future. While creating your monthly investment plan, this tool simplifies the process of evaluating the growth potential of your SIP investments and aids in making informed financial decisions.
What is the HDFC Mutual Fund SIP Calculator?
The HDFC Mutual Fund SIP calculator, available online, empowers you to calculate the maturity value of your investments in any HDFC mutual fund scheme. Simply input key details like the mutual fund scheme, monthly investment amount, and investment horizon into the HDFC SIP Calculator. Using the historical returns of the chosen scheme as a reference, the calculator estimates the maturity corpus.
However, it’s essential to keep in mind that these estimates rely on the HDFC mutual fund scheme’s past performance, assuming it will continue in the same manner. Market fluctuations can lead to variations in actual results based on the fund’s performance. This user-friendly tool also enables you to experiment with different schemes, timeframes, and Systematic Investment Plan amounts to understand how they impact your future investment amount. You can also see how the interest on SIP grows through rupee cost averaging and compounding by using a SIP interest calculator, making it a smart strategy for long-term wealth creation.
How to Use smallcase HDFC SIP Calculator Online?
The HDFC SIP calculator employs the compound interest formula to predict potential returns. It does so by factoring in the compounding frequency. To make these calculations, the calculator relies on inputs provided by the investor, including the monthly investment amount, the investment duration in years, and the expected SIP investment return rate. With this information, the HDFC online SIP investment calculator automatically computes the maturity amount and estimates the wealth that can be accumulated through mutual fund investments.
Furthermore, while creating your SIP plan in HDFC mutual fund schemes, investors can set a specific financial goal by entering their target amount, leading the calculator to reverse-calculate the necessary investment amount. During this reverse calculation, the calculator considers the provided tenure and growth rate, ultimately displaying the monthly SIP amount required to reach the desired goal.
Now, let’s delve into how the smallcase SIP calculator for HDFC mutual funds operates.
Step-1:
Select the fund of your choice, such as HDFC mutual fund or HDFC smallcap fund which can be calculated by HDFC mutual fund SIP calculator or the HDFC small cap SIP calculator.
Step-2:
Enter the desired amount that you wish to invest every month.
Step-3:
Input the number of years or the time period for which you want to calculate the HDFC SIP return rate.
Formula for the HDFC SIP Calculator
smallcase uses a global standardisation method to calculate compound interest to determine the total returns you have incurred. The following formula is used for the HDFC SIP returns calculator:
A = P * [(1 + r)^n – 1] / r
The variables in the formula given above are:
A | Future value of SIP investments |
P | Monthly investment amount |
r | Expected rate of return per period (usually assumed on an annual basis and divided by the number of SIP periods) |
n | Number of SIP periods (number of months or years) |
Let’s understand how the HDFC SIP investment calculator calculates SIP investments with the help of an example. Assume you want to invest ₹5,000 per month for a period of 12 months in an HDFC SIP investment with an expected SIP interest rate of 12% per annum.
The monthly rate of return will be {12%/12} = 0.01
So, A = 5,000* ({[1 +0.01 ]^{12} – 1} / 0.01) x (1 + 0.01)
The calculator may show that your total investment value or SIP returns could be around ₹64,047.
Therefore, by using the HDFC SIP calculator, you can easily determine the SIP amount earned over years on an initial investment of ₹5000 at an annual interest rate of 12%.
List of the SIP Plans Available with HDFC
The following is a list of the HDFC SIP plans available:
Fund Name | 5Y (%) | Monthly SIP (₹) | Maturity Amount (₹) |
HDFC Mid-Cap Opportunities Fund | 31.6 | 10,000 | 14,64,163 |
HDFC Small Cap Fund | 31.5 | 10,000 | 14,59,654 |
HDFC Infrastructure Fund | 27.9 | 10,000 | 13,07,581 |
HDFC Retirement Savings Fund-Equity Plan | 27.5 | 10,000 | 12,91,854 |
HDFC Large and Mid Cap Fund | 27.3 | 10,000 | 12,84,073 |
HDFC Focused 30 Fund | 26.2 | 10,000 | 12,42,252 |
HDFC Flexi Cap Fund | 25.4 | 10,000 | 12,12,841 |
HDFC TaxSaver | 24 | 10,000 | 11,63,326 |
HDFC Capital Builder Value Fund | 23.7 | 10,000 | 11,53,029 |
HDFC Housing Opp Fund | 22.9 | 10,000 | 11,26,095 |
Disclaimer: Please note that the above list is for educational purposes only, and is not recommendatory. Please do your own research or consult your financial advisor before investing.
HDFC Lumpsum Calculator on smallcase.
A lump sum investment plan enables you to invest a substantial amount of money in any mutual fund scheme at once rather than spread it out over multiple small investments. It serves as the counterpart to the well-known mode of investment, which is through a Systematic Investment Plan (SIP).
For a lumpsum SIP investment in HDFC you can compute your returns by utilising the smallcase HDFC lumpsum calculator. Simply click on the lump-sum option located next to the SIP button, input the required information, and receive your results promptly. This convenient method allows you to access the HDFC mutual fund lumpsum calculator directly through smallcase, providing you with the desired outcomes effortlessly.
The HDFC mutual fund lumpsum calculator on smallcase provides several user-friendly features, including:
- Considering investors’ risk appetite and investment goals.
- Offering a wide range of investment options, such as equity funds, debt funds, and hybrid funds.
- Providing insights into taxation implications for lumpsum payments.
- Enabling investors to monitor their investment progress effectively.
Advantages of Using the HDFC SIP Calculator on smallcase.
While the SIP rate of interest in HDFC depends on the type of fund you choose, their consistent track record and strong fund management team make them a reliable choice for long-term investors. Investors using the HDFC Mutual Fund SIP Calculator can enjoy several benefits:
- Accurate Maturity Value Calculation: The calculator enables investors to accurately determine the total value of their investment at the end of the investment tenure.
- Time and Effort Savings: It saves investors the time and effort required for calculating mutual fund SIP returns.
- Informed and Well-Planned Investments: This calculator empowers SIP investors to make well-informed and strategic investment decisions based on their expected returns.
In essence, the HDFC SIP returns calculator serves as a smart and invaluable tool, allowing investors to make comprehensive and informed decisions about their monthly investment plans.
To Wrap it Up…
In conclusion, the HDFC SIP investment Calculator stands as a valuable asset for mutual fund investors. It empowers users to make informed investment decisions by calculating expected returns using investment amount, tenure, and historical fund performance.
This user-friendly and accessible tool delivers accurate results, making it an essential resource for SIP investors. Leveraging the HDFC Mutual Fund SIP Calculator ensures you stay on course to achieve your financial goals and maximise your investment potential.
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Frequently Asked Questions
How to invest in HDFC SIP mutual funds?
- Use the HDFC SIP calculator on smallcase for free.
- Choose a suitable investment amount and tenure.
- Check the returns using the HDFC SIP calculator.
- Log into your Demat account on Tickertape.
- Choose your desired HDFC mutual fund scheme.
- Select the “Start SIP” option and invest.
How can an HDFC SIP calculator help you ?
The HDFC Mutual Fund SIP Calculator empowers investors to make informed decisions by helping them:
- Decide the investment amount.
- Estimate potential returns.
- Calculate periodic SIP contributions to achieve specific financial goals.
Is HDFC SIP safe?
HDFC SIPs are generally safe, as they are managed by a reputable institution and regulated by SEBI. However, like all investments, they carry some risk due to market fluctuations.
Why should you invest in HDFC SIP mutual fund schemes?
Investing in HDFC SIPs is beneficial for two main reasons:
- Financial Discipline: SIPs foster financial discipline by promoting regular savings without lifestyle constraints.
- Flexibility: SIPs offer investment flexibility, allowing you to adjust your investment amount as needed.
Does HDFC SIP have a lock-in period?
The HDFC ELSS Mutual Funds SIP has a mandatory 3-year lock-in period, the shortest among all tax-saving instruments. ELSS Mutual Funds do not impose entry or exit loads. However, for equity and debt-based HDFC SIP plans, there is no lock-in period.
When can I withdraw my HDFC SIP?
If you have invested in an HDFC ELSS mutual fund, you can redeem your active SIP investment after the lock-in period of 3 years. You can stop a equity and debt-based HDFC SIP plans at any time. After stopping, you can either redeem your money or continue to remain invested in the fund.
How are the HDFC SIPs taxed?
For HDFC equity mutual fund SIPs, STCG is 20%, and LTCG is 12.5%.
How is the interest on SIP calculated?
The interest on SIP isn’t like the traditional interest on savings. SIPs benefit from the power of compounding, where both your invested amount and returns generate further earnings. The longer you stay invested, the higher your potential returns.
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