SIP Calculator kya hai?
SIP Calculator se aap anumaan laga sakte ho ki har mahine ek fixed raqam mutual fund me SIP karne par kuch saal baad kitna paisa ban sakta hai. Aap monthly amount, expected saalana return aur samay daalte ho, aur tool aapka kul nivesh, anumaanit labh aur kul value dikhata hai. Step-up SIP tab me aap har saal SIP amount ek tay percentage se badha sakte ho – jaise salary badhne par. Lumpsum tab ek baar me lagaye paise ka anumaan deta hai. Dhyan rahe, mutual fund ka return fix nahi hota; ye sirf ek ganit ka anumaan hai.
SIP Calculator kyun use karein?
- SIP, Step-up SIP aur Lumpsum – teeno ek jagah
- Kul nivesh vs anumaanit labh ka chart
- Saal-wise growth table
- Lakshya (ghar, padhai, retirement) ki planning
- Bina login, bina data save
SIP Calculator kaise use karein?
- Tab chuno – SIP, Step-up ya Lumpsum
- Monthly amount (ya ek baar ki raqam) daalo
- Expected saalana return % daalo
- Samay (saal) chuno
- Kul value aur saal-wise table dekho
Kuch zaroori baatein / Tips
- Equity funds ka lambe samay ka return upar-neeche hota rehta hai – kam (jaise 10–12%) maan kar plan karein.
- Jaldi shuru karna (compounding) amount badhane se zyada asar karta hai.
- Step-up SIP salary badhne ke saath nivesh badhane ka aasan tarika hai.
- Nivesh se pehle fund ke documents padhein ya SEBI registered advisor se baat karein.
SIP me compounding kaise kaam karta hai?
SIP (Systematic Investment Plan) me har mahine ek fixed raqam mutual fund me jaati hai. Har kist par mila return agle mahine phir se nivesh ho jaata hai – isi ko compounding kehte hain. Isliye samay jitna lamba, fayda utna zyada. Udaharan: ₹5,000 har mahine 12% anumaanit return par 10 saal me lagbhag ₹11.6 lakh ban sakte hain, jabki aapka nivesh sirf ₹6 lakh hota.
Step-up SIP me har saal SIP ki raqam ek percentage se badhti hai. Wahi ₹5,000 ki SIP agar har saal 10% badhe to 10 saal me anumaanit value lagbhag ₹16.9 lakh ho jaati hai. Ye salary badhne ke saath nivesh badhane ka aasan tarika hai.
Lumpsum tab ek baar me lagaye paise ka anumaan deta hai: ₹1 lakh 12% par 10 saal me lagbhag ₹3.1 lakh. Ye sab sirf ganit ke anumaan hain; asli market me return upar-neeche hota hai, aur tax tatha fund charges alag se lagte hain.
| Udaharan | Result / Tarika |
|---|---|
| ₹5,000/mahina, 12%, 10 saal | ≈ ₹11.6 lakh |
| Step-up 10% | ≈ ₹16.9 lakh |
| Lumpsum ₹1 lakh, 10 saal | ≈ ₹3.1 lakh |
FAQ – Aksar Pooche Jaane Wale Sawal
SIP return ka formula kya hai?
FV = P × [((1+i)^n − 1) ÷ i] × (1+i), jahan i = saalana return ÷ 12 ÷ 100 aur n = mahine.
Kya ye return guaranteed hai?
Nahi. Mutual fund market risk ke adheen hain; ye sirf anumaan hai.
Step-up SIP kya hai?
Har saal SIP ki raqam ek tay % (jaise 10%) se badhana.
Lumpsum aur SIP me kya fark hai?
Lumpsum ek baar me poora paisa lagana hai, SIP har mahine thoda-thoda.
Kya tax gina gaya hai?
Nahi, LTCG/STCG tax aur fund ke charges is anumaan me shamil nahi hain.
