Investment type
Monthly SIP
Lumpsum
Investment amount
₹ 100 ₹ 1000000
Tenure
Year
1 Year 30 Year
Expected returns
%
1 % 30 %
Investment amount ( in Rs.)
₹ 1000 ₹ 50000
Tenure (in years)
Year
1 Year 30 Year
Expected return (in %)
%
1 % 30 %

₹

Future Value

₹

Total returns

Explore Funds
Disclaimer:

Mutual Fund SIP calculator may provide potential investors an approximate estimate on the maturity amount of the monthly SIP, purely based on mathematical calculation of the projected annual return rate selected by investor. However, such calculation does not factor the actual performance by the Asset Management Company (AMC) and should not be treated as any advice or assurance about the actual return of investment. Mutual Funds do not have a fixed rate of return and it is not possible to predict the rate of return. Please note that the SIP calculator are for illustrations only and do not represent actual returns which may vary depending on various factors including but not limited to actual performance, expense ratio, taxation, exit load (if any), etc.

6 mins
25 November 2023

Why Step Up SIP?
A systematic investment plan, commonly known as SIP, is a proven strategy to grow your wealth through regular investments. However, by embracing the Step Up SIP approach, you can potentially unlock even greater wealth-building opportunities. This method involves periodically increasing your SIP contributions, aligning your investments with your growing income.


Step Up SIP offers several compelling advantages. Firstly, it leverages the power of compounding, where your investments generate returns, leading to accelerated wealth creation. By consistently raising your investment amount, you supercharge the compounding effect, potentially yielding substantial long-term gains.

Secondly, as your income expands with time, your savings should evolve proportionately. Step Up SIP empowers you to adapt your investments in line with your financial growth. This ensures that you make the most of your increased earning potential and continue building a robust financial future.

In summary, Step Up SIP offers a dynamic approach to wealth accumulation, harnessing the compounding phenomenon and aligning your investments with your expanding income, setting you on a path to achieve your financial goals more effectively.

What is Step Up SIP Calculator, and how does it help you?
The Step Up SIP Calculator is a tool that helps you estimate the growth of your Systematic Investment Plan (SIP) investment. It is designed to calculate the future worth of your SIP investments if you increase your SIP by a certain percentage on a regular basis.

If you wish to raise your investment every year, you may use this calculator to calculate returns. The calculator will display the total investment amount, estimated returns, the total value,The Step-Up SIP Calculator can be an advantage to the investor to know how your savings increase and tend to create long-term wealth. It is also a source to build towards financial goals and objectives. An investor can identify whether the investment is the right choice for them with instant calculations.

How Does the Step Up SIP Calculator Work?
The Step Up SIP Calculator is a tool that helps you calculate the future worth of your Step Up Systematic Investment Plan (SIP) investments, Step Up is when you increase your SIP amount by a certain percentage on a regular basis. The calculator uses a formula that takes into account the following factors:

Your investment amountThe annual Step Up amountThe expected rate of returnThe tenure of the investment

Once you enter the required details into the calculator, you can easily obtain the end amount. The calculator will display the estimated returns, total investment amount and the total value of your investment.

How to use Bajaj Finserv Step Up SIP Calculator?
Calculating returns on your Systematic Investment Plan (SIP) using the Step Up SIP Calculator is a very easy. You just need to follow these simple steps:

Enter the “Investment Amount (in rupees)”.Enter the “Annual Step Up Amount (in rupees)”.Enter the “Expected Return (in %)”.Enter the “Tenure (in years)”.Once you have filled out all the fields, the calculator will automatically display the results.The results includes:

The estimated returns Total value of your investmentTotal investment amountA returns table and returns graph

Advantages of Using Step Up SIP Calculator

The Step Up SIP Calculator has several benefits:

Firstly, it allows you to estimate your estimated returns and total value of your investment.Secondly, it is easy and simple to use.Thirdly, it is free of cost and can be accessed from anywhere at any time.Lastly, you do not need to seek assistance with the digital tool.

What is SIP calculator?

How can a SIP return calculator help you?

How does an SIP calculator work?

How to use the SIP calculator?

What is Systematic Investment Plan (SIP)?

Advantages of using Bajaj Systematic Investment Plan Calculator

Frequently asked questions

What is the Interest Rate of SIP?

Systematic Investment Plans (SIPs) do not have a fixed interest rate. The return on an SIP investment depends on the performance of the mutual fund in which the investment is made. Mutual funds invest in a mix of equity and debt instruments, and return rates vary depending on the performance of the underlying investments. The return on an SIP investment is not guaranteed and can be volatile, with the potential for both gains and losses. It is important for investors to do their research and choose a mutual fund that aligns with their investment objectives, has a good track record of returns, and is managed by a reputable fund manager.

Is SIP suitable for all investors?

Systematic Investment Plan (SIP) stands out as a highly endorsed strategy for investing in equity, debt or hybrid mutual funds. The inherent volatility of equity and hybrid funds is effectively mitigated by SIPs, which distribute investments systematically over time. While SIPs can be beneficial for debt funds, they are considered optional since debt funds generally exhibit lower volatility.

Can I modify my SIP amount?

Yes, you can increase or decrease your SIP amount anytime on the Bajaj Finserv platform. You can also check the potential returns on your modified SIP investment on the SIP Calculator.

Can I renew a SIP?

Yes, SIPs can be renewed anytime. Investors can choose to renew the SIP for the same period as the original SIP or modify it.

Can I pause my investments in a SIP?

Yes, investors can pause their investments in an SIP for a limited period of time by submitting a request to the mutual fund company. This is known as a temporary suspension of SIP.

How do I cancel my SIP?

Investors can cancel their SIP by submitting a request to the mutual fund company. The request should be submitted before the next instalments date.

Are SIPs similar to mutual funds?

Many individuals commonly perceive SIP as synonymous with mutual funds or distinct from them. However, it is essential to understand that SIP is a method of investment, not a specific fund, scheme, or investment avenue. It serves as an investment mechanism for systematically investing at regular intervals in a chosen fund or scheme.

How to extend SIP duration?

Investors can extend their SIP duration by submitting a request to the mutual fund company before the end of the current SIP period. The request can be submitted online or by visiting the mutual fund company's office.

How much can I invest in a SIP?

The minimum SIP investment amount can start as low as Rs. 100, providing flexibility for investors with varying budget constraints.

What is the maximum tenure of a SIP?

SIPs typically have no fixed maximum tenure, allowing investors to continue their systematic investment plans for an extended period based on their financial goals.

Do SIPs allow only equity mutual funds investments?

No, SIPs offer flexibility, allowing investors to choose from a variety of mutual funds, including equity, debt, and hybrid funds, catering to diverse investment preferences.

What are the types of SIPs available?

SIPs come in various types, such as Equity SIP, Debt SIP, and Hybrid SIP, each tailored to different risk appetites and financial goals.

How do I use a SIP Calculator?

Utilize a SIP Calculator by entering details like investment amount, tenure, and expected rate of return to estimate potential returns and plan your investment strategy effectively.

Are SIP investments tax-free?

While the returns from SIP investments are not tax-free, certain equity-oriented SIPs may qualify for tax benefits under specific conditions, such as the Equity Linked Savings Scheme (ELSS) category.

Can I estimate my SIP return online?

Yes, investors can conveniently estimate their SIP returns online using our SIP Calculator, providing a quick and efficient way to gauge the potential growth of their investments.

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Disclaimer

Bajaj Finance Limited (“BFL”) is a Non-Banking Financial Company carrying the business of acceptance of deposits, providing lending solutions to Retail & Corporate customers, and is a Corporate agent of various insurance Companies. BFL is also registered with the Association of Mutual Funds in India (“AMFI”) as a distributor of third party Mutual Funds (shortly referred as ‘Mutual Funds’).

BFL does NOT:

(i) provide investment advisory services in any manner or form;

(ii) perform risk profiling of the investor;

(iii) carry customized/personalized suitability assessment;

(iv) carry independent research or analysis, including on any Mutual Fund schemes or other investments; and provide any guarantee of return on investment.


In addition to displaying the Mutual fund products of Asset Management Companies, some general information is sourced from third parties, is also displayed on ‘As-is’ basis, which should NOT be construed as any solicitation or attempt to effect transactions in securities or the rendering any investment advice. Mutual Funds are subject to market risks, including loss of principal amount and Investor should read all Scheme /Offer related documents carefully. The NAV of units issued under the Schemes of mutual funds can go up or down depending on the factors and forces affecting capital markets and may also be affected by changes in the general level of interest rates. The NAV of the units issued under the scheme may be affected, inter-alia by changes in the interest rates, trading volumes, settlement periods, transfer procedures and performance of individual securities. The NAV will inter-alia be exposed to Price / Interest Rate Risk and Credit Risk. Past performance of any scheme of the Mutual fund do not indicate the future performance of the Schemes of the Mutual Fund. BFL shall not be responsible or liable for any loss or shortfall incurred by the investors. There may be other / better alternatives to the investment avenues displayed by BFL. Hence, the final investment decision shall at all times exclusively remain with the investor alone and BFL shall not be liable or responsible for any consequences thereof.

Bajaj Finserv Direct Limited, (“BFDL”), a wholly owned subsidiary of Bajaj Finserv Limited (is a Registered with SEBI as an Investment Advisor with Registration no. INA000016083). BFDL enables resident Indian customers to directly invest in third party mutual funds through its online platform. BFDL entered into a referral arrangement with BFL, whereunder, BFL may, without risk or responsibility on its part, refer the resident Indian customers who are interested in placing their investments in Direct Mutual Funds through BFDL online platform. Investment by a person residing outside the territorial jurisdiction of India is not acceptable nor permitted.

Disclaimer on Risk-O-Meter:
Investors are advised before investing to evaluate a scheme not only on the basis of the Product labeling (including the Riskometer) but also on other quantitative and qualitative factors such as performance, portfolio, fund managers, asset manager, etc. and shall also consult their financial advisers, if they are unsure about the suitability of the scheme before investing

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