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HDFC SIP Calculator

Plan your HDFC SIP investments confidently with our HDFC SIP Calculator.

Monthly Investment

₹ 100
₹ 1,00,00,000

Expected Return Rate (p.a)


Time Period

1 yr
40 yr

Investment Amount


Estimated Returns


Maturity Value


Compound your wealth with SIP in Mutual Funds

*Investing in the securities market carries risk. Please do your own due diligence before investing.

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What Is HDFC SIP Calculator?

The HDFC SIP Calculator is an online tool that lets you calculate how much your investment through Systematic Investment Plans (SIP) will be worth in the future.

The potential growth of investments is predicted by taking into account the initial investment amount, monthly SIP amount, expected rate of return and tenure for which it should be invested.

The HDFC SIP calculator requires inputs from the investor, including the investment amount, the number and frequency of SIPs, and the expected rate of return. After entering your information, the calculator quickly calculates the value of your SIP investments at your chosen time frame.

What is the Use of HDFC SIP Calculator?

HDFC mutual fund calculator is a tool that can help you measure the performance of HDFC mutual funds over SIP. Below are some of its uses:

1. Estimate Returns

In Mutual Funds, the HDFC SIP calculator is an instrument that predicts the returns on the investments in it. Every month, this tool takes in the amount of investment, tenure and expected rate of return.

Subsequently, this calculator calculates the projected worth of your SIP at the maturity period selected by you which indicates how much one can grow their money over time through investments.

2. Investment Planning

Investment planning is made easy with the help of a calculator. Different financial goals can be set via short-term, medium-term, or long-term. By entering your desired returns, the calculator can estimate how much you need to invest in Mutual Funds via SIP to achieve these goals.

This feature helps you plan your investments based on your financial objectives and risk tolerance. It provides a clear roadmap for your investment journey, making it easier for you to allocate funds effectively and systematically.

3. Ease of Use

The SIP Calculator by HDFC is user-friendly and accessible online for free. It’s designed to be intuitive, making it easy for anyone to use, regardless of their financial knowledge or experience. By simply inputting the necessary details, users can quickly get an estimate of their SIP returns.

This ease of use makes the calculator a convenient tool for individuals looking to plan their investments in Mutual Funds via SIP. It eliminates the need for complex manual calculations, making investment planning a smoother process.

4. Saves Time

Finally, the calculator saves time by doing complex calculations instantly. Instead of manually calculating potential returns, the calculator does it for you. Just input your investment details, and it provides an estimated value of your SIP investments.

This quick and efficient process allows you to focus more on your investment decisions rather than spending time on calculations.

How can HDFC SIP Calculator Help You?

The HDFC SIP calculator is a free online tool that helps you estimate the potential returns of your investments in HDFC mutual funds. It can also help you calculate the monthly investment amount needed to achieve a specific goal over a set period of time.

Guide on Using HDFC SIP Calculator

Using the online HDFC SIP calculator is straightforward. Here are the steps:

  • Enter Investment Details: Input the amount you intend to invest monthly in the 'Investment Amount' field. Specify the number of years you plan to continue your SIP in the 'Investment Duration' field.
  • Select the Expected Rate of Return: Choose the expected rate of return. This is an estimate of how much you expect your investment to grow annually.
  • Calculate: Once you fill in the input fields, click on 'Calculate'. The calculator will instantly compute the value of your SIP investments after your preferred tenure.

Remember, the actual returns of your SIPs can vary based on market conditions.

How to use HDFC Lumpsum Calculator?

The HDFC Lumpsum Calculator is a tool that helps you calculate the potential returns on your lumpsum investment in a mutual fund. Here’s how to use it:

  • Enter the Lump-Sum Amount: This is the amount you plan to invest at once in a mutual fund.
  • Enter the Investment Duration: Specify the number of years you plan to stay invested.
  • Calculate the Returns: The calculator will estimate the returns you could receive if you invest an amount in a scheme of your choice, at an assumed compounded rate, for a desired period.

How are Returns in HDFC SIP Calculated?

The XIRR (Extended Internal Rate of Return) is a measure of return used in capital budgeting to determine the profitability of investments. It is used when there are irregular cash flows - that is when not all cash flows occur at regular intervals. The formula used in the calculation of XIRR is:



  • values is the array of values that represent the series of cash flows.
  • dates is a series of dates that correspond to the given values.
  • guess is an initial guess of what the IRR will be.

To plan financial goals and forecast returns on such plans, investors can make use of this calculator. Nevertheless, they should keep in mind that different market situations or other causes might result in actual returns being higher/lower than expected ones.

About HDFC Mutual Fund

HDFC Mutual Fund, a part of the HDFC Group, is one of India's leading mutual fund houses. Established in 1994, it offers a wide range of mutual fund schemes catering to different investor risk appetites and financial goals.

With over 25 years of experience in the financial services industry, HDFC Mutual Fund has a strong track record of delivering consistent returns to its investors. It manages a diverse portfolio of equity, debt, hybrid, and other specialized schemes.

Here are some popular mutual fund schemes:

HDFC Mutual Fund is known for its investor-centric approach and commitment to providing high-quality investment solutions. It has a team of experienced fund managers and research analysts who continuously monitor market trends and identify potential investment opportunities.

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