Home Calculators HDFC SIP Calculator

HDFC Bank SIP (Systematic Investment Plan) Calculator Online

Calculate the future value of your SIP investment

I know my

Goal Amount

Expected Return (P.A)

Time Period


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.


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 (₹)
Gained (₹)
Amount (₹)

Investing Made Easy

smallcase offers 200+ readymade stock baskets, created and managed by SEBI-registered investment experts

Try smallcase

Investing Made Easy

smallcase offers 200+ readymade stock baskets, created and managed by SEBI-registered investment experts

Popular smallcases

Articles to help you discover the top stock collections in from trending market sectors

All Weather Investing smallcase by Windmill Capital

Dividend Aristocrats smallcase by Windmill Capital

Top 100 Stocks smallcase by Windmill Capital

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 into mutual funds. This approach is regarded as one of the smartest investment options available, offering the potential for attractive returns over time. To gain insight into the potential returns from a SIP investment, you can utilize an online tool known as a SIP calculator.

For instance, you can make use of the smallcase HDFC SIP plan calculator to estimate the returns that an investment made today might generate in the future. 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 Bank 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 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.

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 return rate. With this information, the HDFC online SIP calculator automatically computes the maturity amount and estimates the wealth that can be accumulated through mutual fund investments.

Furthermore, 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.


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. 


Enter the desired amount that you wish to invest every month. 


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 standardization method to calculate compound interest to determine the total returns you have incurred. The following formula is used for the HDFC SIP 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 SIP calculator HDFC 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 bank.

The following is a list of the HDFC SIP plans available with HDFC bank:

Name 5 Year Return Monthly SIP  Maturity Amount
HDFC Small Cap Fund  18.4% ₹ 10,000 ₹ 9,87,852
HDFC Mid Cap Opportunities Fund 18.3% ₹ 10,000 ₹ 9,85,019
HDFC Retirement Savings Fund Equity Plan 17.8% ₹ 10,000 ₹ 9,71,001
HDFC Large and Mid Cap Fund 16.8% ₹ 10,000 ₹ 9,43,681
HDFC Flexi Cap Fund  16% ₹ 10,000 ₹ 9,22,494
HDFC Focused 30 Fund 15.1% ₹ 10,000 ₹ 8,99,345
HDFC Balanced Advantage Fund 14.9% ₹ 10,000 ₹ 8,94,298
HDFC Retirement Savings Fund Hybrid Equity Plan 13.6% ₹ 10,000 ₹ 8,62,320
HDFC Index S&P BSE Sensex fund 13.1% ₹ 10,000 ₹ 8,50,394
HDFC Top 100 Fund 13.1% ₹ 10,000 ₹ 8,50,394

HDFC Lumpsum Calculator on smallcase.

A Lumpsum Investment Plan enables you to invest a substantial amount of money in any mutual fund scheme at once, rather than spreading 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, you can compute your returns by utilizing 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 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:

  1. Considering investors’ risk appetite and investment goals.
  2. Offering a wide range of investment options, such as equity funds, debt funds, and hybrid funds.
  3. Providing insights into taxation implications for lumpsum payments.
  4. Enabling investors to monitor their investment progress effectively.

Advantages of using the HDFC SIP Calculator on smallcase.

Investors using the HDFC SIP calculator can enjoy several advantages:

  • 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 manual calculations.
  • 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 calculator serves as a smart and invaluable tool, allowing investors to make comprehensive and informed decisions about their investments.


To Wrap it Up…

In conclusion, the HDFC SIP 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 SIP Calculator ensures you stay on course to achieve your financial goals and maximize your investment potential.

Frequently Asked Questions

How to open an SIP account with HDFC Bank?

Once you’ve selected your desired scheme, you can proceed to apply for your chosen SIP. The application process is straightforward. Here’s what you need to do:

  1. Complete the appropriate application form and link it to your Demat Account.
  2. Provide a cheque for the SIP investment amount.
  3. Fill out the KYC form.
  4. Date and Payment mode selection
  5. Complete transaction.

How to invest in HDFC Bank SIP?

  1. Use the HDFC freedom SIP calculator on smallcase for free. 
  2. Choose a suitable investment amount and tenure.
  3. Check the returns using the HDFC prudential SIP calculator. 
  4. Invest in the SIP suitable for you on the HDFC platform.

How can an HDFC Bank SIP calculator help you ?

The SIP calculator HDFC 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 Bank SIP safe?

Investing in mutual funds through HDFC SIP offers safety. Investing lump sum amounts in mutual funds may lead to high costs due to market conditions. To avoid this, invest when markets are not overvalued.

Why Should You Invest in HDFC Bank SIP Scheme?

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 Bank SIP have a lock-in period?

HDFC 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.

When can I withdraw my HDFC Bank SIP?

To stop your HDFC securities SIP:

  1. Log in to your HDFC securities account.
  2. Navigate to the Investments section.
  3. Access the Edit SIP window.
  4. Click on “End SIP.”

How are the HDFC Bank SIP taxed?

You can invest either as a lump sum or through the SIP (systematic investment plan) route. While tax benefits are limited to INR 1.5 lakh, you have the freedom to invest as much as you wish beyond this limit.

Discover Popular Articles by smallcase

Learn more about various financial instruments, trending sectors, popular themes, and companies that are thriving in the current markets before investing.

Learn More

Stock Investing Made Easy

Simple, quick and delightful investing for you!

Scan to Download

Don't take our word for it

smallcase is trusted across the Indian investment ecosystem

profile pic
Satish Suggala
social icon

Finally got access to @smallcaseHQ and gotta admit, it ‘s the most beautiful investment product I’ve ever seen.

5:28 PM - 6 Jan 2017
profile pic
Aakash Goel
social icon

first stock market investment today. in case you’re a stock market noob like me, highly recommend @smallcaseHQ!

11:45 AM - 13 Jan 2017
profile pic
Deepak Abbot
social icon

One product that impressed me a lot in last 1 yr & also benefitted me personally is @smallcaseHQ – never got interested in markets earlier 🥇

7:58 AM - 24 May 2017
profile pic
sampad swain
social icon

Lately, been playing w/ stocks & wealth mgmt apps. Amongst all,@smallcaseHQ is the shining star. Absolute recco on 💻 & 📱

9:40 AM - 4 Jul 2017
profile pic
social icon

OK! I found @smallcaseHQ at this odd hour. ALAG LEVEL. Isn’t it alike your own mutual fund?

2:27 AM - 10 Jul 2017
profile pic
Nithin Kamath
social icon

The best investment tech startup in India today.@smallcaseHQ hoping you guys are the catalyst to get the next million to the markets 🙂

12:16 PM - 15 Jul 2017
profile pic
Bala Panneerselvam
social icon

@smallcaseHQ love your product! Kudos!

3:45 PM - 26 Jul 2017
profile pic
Shruti Ghatge
social icon

@smallcaseHQ! What a brilliant product. One of the best I’ve seen.

11:22 AM - 19 Sep 2017
profile pic
Rupesh Malu
social icon

Agree ” mutual funds sahi hai “, but somehow started feeling smallcase better hai! ☺ What a product! Thanks @smallcaseHQ and@zerodhaonline !!

12:41 PM - 6 Oct 2017
profile pic
Arpit Agarwal
social icon

Felt like Buffett when I logged on to @smallcaseHQ today 😀 There are only two kind of ppl – those who have a Smallcase and those who will!

12:00 PM - 6 Nov 2017
profile pic
Aadil Bandukwala
social icon

Take a bow @smallcaseHQ! What an incredible product! 🙏🏻 The ease at which you make equity investing happen – such a breath of fresh air!

9:03 AM - 4 Dec 2017
profile pic
Vishant Pai
social icon

They way I am promoting @smallcaseHQ I won’t be surprised if I am mistaken as their business development executive. Impressive product. Keep up the great work you are doing. Happy new year.

10:42 AM - 1 Jan 2018
profile pic
Shankar Ganesh
social icon

Ladies and gentlemen, check out @smallcaseHQ. Even if you don’t end up investing, you’ll be impressed by how pretty it is! 😘

6:37 PM - 9 Jan 2018
profile pic
Deepak Gupta
social icon

Great way for those early to investing to get exposure to sectors/themes thru @smallcaseHQ. Well researched and easy to buy and manage portfolios.

1:07 PM - 16 Jan 2018
profile pic
Santosh Dogra
social icon

Had an Amazing experience on building own #theme based#portfolio And guess what i can customise the amount i want to #invest and where to #invest@smallcaseHQ @AxisDirect_In

12:18 PM - 7 Jul 2018
profile pic
Tanmay Bhat
social icon

Fallen in love with @smallcaseHQ– what a smooth, smooth product. Anybody else here using it?

8:07 PM - 30 Jun 2020
profile pic
social icon

A very simple, low cost asset allocation solution using ETFs is to go for All Weather Portfolio offered by @smallcaseHQ

8:44 AM - 29 Aug 2018
profile pic
Ayushi Singh Rathore
social icon

Invested for the first time during muhurat trading. Adult feels max!@smallcaseHQ 🙌🏻

7:14 PM - 7 Nov 2018
profile pic
asis panigrahi
social icon

You can save this tweet of mine. @smallcaseHQ is the future of investing. They will beat the best performing mutual fund and pms hands down. Absolutely no comparison. The sooner people realise this, the better will be their cagr.

3:07 PM - 28 May 2019
profile pic
ஸ்டாலின்னா அடிப்போம்..
social icon

Only the best —> @smallcaseHQ Thank me after 10 years.

11:48 AM - 1 Jul 2019
profile pic
Deepak Abbot
social icon

2 years to this tweet and @smallcaseHQ is still my top rated product

3:32 PM - 14 Jul 2019
profile pic
Shivam Vahia
social icon

@smallcaseHQ has to be the most unique “fintech” idea I’ve seen in India. Should’ve taken it seriously long back.

11:14 AM - 15 Jul 2019
profile pic
social icon

Gotta say this. Smallcase is KILLING IT!!!! 🔥

2:35 PM - 4 Oct 2019
profile pic
Sahil Kini
social icon

smallcase is one of those rare businesses creating real value for customers/investors, through original thinking and great product design. Go @smallcaseHQ

11:40 AM - 21 Nov 2019
profile pic
Rahul Chaudhary
social icon

Haven’t seen a better product than @smallcaseHQ in a while. Stunning.

5:32 PM - 16 Jul 2020
profile pic
Aditya Behere
social icon

@smallcaseHQ is one of the best new products that I’ve tried 😍

9:09 AM - 29 Nov 2019
profile pic
Rishi Verma
social icon

No matter how much I praise @smallcaseHQ It will still be less for them. Fantastic App, they have made investing so much simple and sharing your fav stocks too. Gamechanger in the fintech ecosystem.

3:48 PM - 19 May 2021
profile pic
social icon

So, I have been using @smallcaseHQ for investing some money and it’s one of the best I would say for rookies like me. Go ahead and try it out.

8:14 AM - 29 May 2021