SIP Calculator

You don’t have to pay any fees or charges for using an SIP return calculator online. In fact, it is completely free for use.

Most Systematic Investment Plans allow you to invest amounts as small as ₹500 each month. There’s no maximum limit to the amount of investment that you can make in an SIP.

You cannot change the tenure of your existing ongoing SIPs. However, you start a new SIP with a perpetual end date. This means that unless you explicitly ask the fund house to stop the SIP, your SIP will run perpetually.

No. A Systematic Investment Plan is simply a style of investment, whereas mutual funds are financial products that you can invest in.

No, all SIP investments are not tax-free. Only SIPs in Equity Linked Savings Scheme (ELSS) can be claimed under section 80C of the Income Tax Act. While there is no maximum limit for investment in ELSS, the maximum tax rebate you can claim is ₹ 1,50,000 in a financial year.

Apart from ELSS funds, gains on all other SIPs are taxed as per asset class. For example, in case of equity-oriented funds, gains from sale of units before 1 year from date of purchase are taxed at 15% (Short Term Capital Gains) and 10% Long Term Capital Gains (LTCG) tax is applicable on gains if units are redeemed after 1 year (on gains exceeding ₹ 1 lakh in a financial year).

Yes, while SIP is suitable for all investors, it is ideal for retail investors who do not have the expertise or capital to time the market. With minimum investment starting from ₹100, SIPs help salaried or individuals with low investible surplus to invest for their financial goals. It also creates investment discipline, savings habit, and helps in rupee-cost averaging.

No, you can start SIP in equity, debt and even money market funds. However, since equity markets are highly volatile and dynamic, investing in equity funds via SIP makes sense since you enjoy higher rupee cost averaging and power of compounding. Due to their limited movement, lumpsum investment is usually preferred in debt and money market funds.

Yes, you can renew your SIPs after the initial tenure ends. The process is similar to starting a new SIP. To start a new SIP on m.Stock:

• Login to https://trade.mstock.com/#
• Click on ‘Start an SIP’
• Search for a scheme. You can choose from Equity, Debt, Hybrid and ELSS
• Click on the scheme name and then click on the SIP button
• Input SIP amount, start date, and set up Autopay
• That’s it! Your SIP will be registered on successful setup of Autopay facility.

Renewing your SIP i.e., starting a new SIP with m.Stock makes sense as you get 1% higher returns with Direct plans.

Technically, yes, you can pause SIPs by submitting an application to the fund house. However, this isn’t recommended as it hampers with your long-term wealth creation.

Yes, you can stop your SIPs any time. All you need to do is submit an application (online or physical) to stop ongoing SIP. However, its always better to reduce your SIP amount instead of interrupting the process of long-term wealth creation.

You cannot modify the SIP amount in all plans. Only some kinds of SIPs, like flexible SIPs and step-up SIPs, allow you to modify or increase your investment amount respectively.

Yes, you can withdraw from your accumulated mutual fund corpus. But you must ensure two things:

• Withdraw only those units that have completed the lock-in period
• Ensure to check for long term and short term taxation

Starting a systematic investment plan with m.Stock is super easy and can be done in less than 5 minutes. Follow the below steps to register SIP with m.Stock:

• Login to https://trade.mstock.com/#
• Click on ‘Start an SIP’
• Search for a scheme. You can choose from Equity , Debt , Hybrid and ELSS
• Click on the scheme name and then click on the SIP button
• Input SIP amount, start date, and set up Autopay
• That’s it! Your SIP will be registered on successful setup of Autopay facility.

You can use m.Stock’s SIP calculator to calculate the future value of your SIPs. This will give you the long-term picture and help you make adjustments to your SIP amount in case of a shortfall. To estimate your SIP corpus, follow the below steps:

• Visit https://www.mstock.com/sip-calculator
• Select investment type as SIP
• Enter monthly investment, expected returns and time period
• The future value of your SIPs will be displayed on the screen.
• You can then start investing in your favourite scheme and earn 1% extra with Direct plans on m.Stock.

The expected rate of return is crucial in an SIP return calculator as it determines the potential growth of your investments over time. This rate, usually expressed as a percentage, reflects the anticipated annual return on your investments. It helps in estimating the future value of your SIPs by projecting how much your periodic investments could grow based on historical performance and market expectations. An accurate expected rate of return provides a realistic forecast, aiding in better financial planning and goal setting.

An SIP return calculator offers several benefits to investors. It simplifies investment planning by providing clear projections of potential returns based on regular, periodic investments. This tool helps you understand how your money can grow over time, making it easier to set and achieve financial goals. It also allows you to try out different investment amounts, durations, and expected returns to see how changes affect your outcomes. Ultimately, it helps in making informed investment decisions and encourages disciplined investing habits.

Using a SIP calculator for investment planning can greatly enhance your financial strategy. This tool helps you project the future value of your regular investments by considering factors like investment amount, duration, and expected rate of return. By visualising how your investments can grow over time, you can set realistic financial goals and make informed decisions. It allows you to experiment with different scenarios, adjusting variables to see how they impact your investment outcomes. This way, you can plan your investments more effectively, ensuring you stay on track to meet your financial objectives.

Using the m.Stock SIP calculator is easy and intuitive. Start by visiting the m.Stock website and locating the SIP calculator tool. Enter the amount you wish to invest periodically, such as monthly. Then, input the expected annual rate of return based on your investment choices. Specify the investment duration, indicating how long you plan to continue your SIPs. The calculator will then provide an estimate of the future value of your investments, helping you understand potential returns and plan your financial goals more effectively.