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Best Mutual Funds for SIP 2020

Updated on July 29, 2020 , 3673 views

SIP or Systematic Investment plan is one of the best ways to invest in Mutual Funds. It is a smart and hassle-free mode of Investing your money in Mutual Fund schemes. Here, you can invest a certain pre-determined amount at a regular interval (monthly/quarterly, etc.). As you can start your SIP investment with just INR 500, it makes the most affordable means of investment. Your money is auto-debited from your bank account and invested into the scheme, which indirectly creates a habit of savings in the long-run. SIP investments are a great way to plan your Financial goals. You need to set a specific goal and estimate the time and amount required to fulfil it. Below are the best mutual funds for SIP based on the investment tenure and risk appetite. Investors can target their investment goals and achieve them on time by investing in these schemes.

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Top Mutual Funds for SIP Investment FY 20 - 21

Best Equity SIP Funds— For Long Term Wealth Creation

Equity Funds are expected to deliver high returns in the long-run, but are risky funds. Investors who can invest for more than 5 years are advised to invest in equity funds. One can also plan their long-term financial goals by investing in these funds.

Fund	NAV	Net Assets (Cr)	Min SIP Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2019 (%)
DSP BlackRock World Gold Fund Growth	₹22.4268 ↓ -0.34	₹539	500	27.4	53	62.9	22.9	23	35.1
Franklin India Feeder - Franklin U S Opportunities Fund Growth	₹44.6422 ↑ 0.05	₹1,844	500	21.3	22.3	37	24.6	15.8	34.2
ICICI Prudential US Bluechip Equity Fund Growth	₹33.51 ↓ -0.35	₹692	100	6.1	3.8	18.9	16.6	13	34.3
Mirae Asset Emerging Bluechip Fund Growth	₹54.935 ↑ 0.26	₹9,834	1,000	12.7	-5.7	7.4	5	11.6	14.7
Parag Parikh Long Term Equity Fund Growth	₹29.2323 ↑ 0.23	₹3,514	1,000	22	6.8	18.7	11.3	11.4	14.4
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 30 Jul 20

Best Debt SIP Funds— To Earn Optimal Returns

Debt fund are a good way to secure your money and generate average consistent returns. Investors who are looking for stable returns or those who want to invest for less than three years should consider investing in these funds.

Fund	NAV	Net Assets (Cr)	Min SIP Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	2019 (%)	Debt Yield (YTM)	Mod. Duration	Eff. Maturity
DSP BlackRock Strategic Bond Fund Growth	₹2,581.14 ↓ -1.16	₹1,190	500	3.6	9.8	14.6	8.5	10.3	5.88%	5Y 9M 11D	7Y 9M
IDFC Government Securities Fund - Investment Plan Growth	₹27.3367 ↓ -0.01	₹1,163	1,000	4.7	10.9	13.8	9.9	13.3	5.94%	5Y 6M 18D	7Y 2M 5D
Axis Dynamic Bond Fund Growth	₹22.5986 ↑ 0.05	₹612	1,000	6	9.5	13.4	9	11	6.57%	6Y	8Y 9M 18D
IDFC Government Securities Fund - Constant Maturity Plan Growth	₹35.1886 ↓ -0.01	₹279	1,000	4.5	10.1	13.1	12.6	14.2	6.18%	6Y 10M 13D	9Y 8M 5D
L&T Triple Ace Bond Fund Growth	₹56.0651 ↑ 0.07	₹3,871	1,000	6.2	9.6	13.1	9.8	12.6	6.54%	5Y 8M 23D	8Y 1M 24D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 31 Jul 20

Best Balanced Funds— Earn Stable Returns + Create Long Term Wealth

Balanced Fund invest their money both in equity and debt funds. These are less volatile than pure equity Mutual Funds. Balanced funds deliver superior returns over a period of more than three years. Investors who want to invest in equity funds, balanced funds are a great way to start off with.

Fund	NAV	Net Assets (Cr)	Min SIP Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2019 (%)
SBI Multi Asset Allocation Fund Growth	₹30.6577 ↑ 0.21	₹235	500	8.4	5.6	12.9	7.4	7.9	10.6
BNP Paribas Substantial Equity Hybrid Fund Growth	₹12.8225 ↑ 0.02	₹397	300	7.7	-3.1	8.9	6.7		16.3
Canara Robeco Income Saver Fund Growth	₹63.7424 ↑ 0.08	₹229	1,000	5.9	4.6	11.1	6.7	6.9	10.6
ICICI Prudential MIP 25 Growth	₹46.6822 ↑ 0.04	₹1,597	100	5.7	2.3	8.1	6.6	8.6	9.6
L&T Dynamic Equity Fund Growth	₹26.372 ↑ 0.08	₹645	500	8	3.5	9.2	6.3	4.8	8.2
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 31 Jul 20

1. Franklin India Feeder - Franklin U S Opportunities Fund

The Fund seeks to provide capital appreciation by investing predominantly in units of Franklin U. S. Opportunities Fund, an overseas Franklin Templeton mutual fund, which primarily invests in securities in the United States of America.

Franklin India Feeder - Franklin U S Opportunities Fund is a Equity - Global fund was launched on 6 Feb 12. It is a fund with High risk and has given a CAGR/Annualized return of 19.3% since its launch. Ranked 6 in Global category. Return for 2019 was 34.2% , 2018 was 6.5% and 2017 was 18.1% .

Below is the key information for Franklin India Feeder - Franklin U S Opportunities Fund

Franklin India Feeder - Franklin U S Opportunities Fund Growth
Launch Date	6 Feb 12
NAV (30 Jul 20)	₹44.6422 ↑ 0.05 (0.11 %)
Net Assets (Cr)	₹1,844 on 30 Jun 20
Category	Equity - Global
AMC	Franklin Templeton Asst Mgmt(IND)Pvt Ltd
Rating	☆☆☆☆
Risk	High
Expense Ratio	1.74
Sharpe Ratio	1.28
Information Ratio	0.14
Alpha Ratio	-2.43
Min Investment	5,000
Min SIP Investment	500
Exit Load	0-3 Years (1%),3 Years and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
31 Jul 15	₹10,000
31 Jul 16	₹9,530
31 Jul 17	₹10,706
31 Jul 18	₹13,605
31 Jul 19	₹14,941

Franklin India Feeder - Franklin U S Opportunities Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹447,579.
Net Profit of ₹147,579 Invest Now

Returns for Franklin India Feeder - Franklin U S Opportunities Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 30 Jul 20

Duration	Returns
1 Month	5.9%
3 Month	21.3%
6 Month	22.3%
1 Year	37%
3 Year	24.6%
5 Year	15.8%
10 Year
15 Year
Since launch	19.3%

Historical performance (Yearly) on absolute basis

Year	Returns
2019	34.2%
2018	6.5%
2017	18.1%
2016	-0.8%
2015	8.8%
2014	8.4%
2013	55.2%
2012
2011
2010

Fund Manager information for Franklin India Feeder - Franklin U S Opportunities Fund

Name	Since	Tenure
Pyari Menon	26 Sep 19	0.76 Yr.

Data below for Franklin India Feeder - Franklin U S Opportunities Fund as on 30 Jun 20

Equity Sector Allocation

Sector	Value
Technology	25.81%
Financial Services	15.34%
Health Care	15.34%
Consumer Cyclical	11.6%
Communication Services	8.56%
Real Estate	6.06%
Industrials	5.97%
Consumer Defensive	2.28%
Basic Materials	1.14%

Asset Allocation

Asset Class	Value
Cash	2.9%
Equity	92.1%
Other	4.99%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Franklin US Opportunities I(acc)USD Investment Fund \| -	100%	₹1,839 Cr	4,121,697 ↑ 150,519
Call, Cash & Other Assets Receivables \| -	0%	₹5 Cr

2. DSP BlackRock World Gold Fund

"The primary investment objective of the Scheme is to seek capital appreciation by investing predominantly in units of MLIIF - WGF. The Scheme may, at the discretion of the Investment Manager, also invest in the units of other similar overseas mutual fund schemes, which may constitute a significant part of its corpus. The Scheme may also invest a certain portion of its corpus in money market securities and/or units of money market/liquid schemes of DSP Merrill Lynch Mutual Fund, in order to meet liquidity requirements from time to time. However, there is no assurance that the investment objective of the Scheme will be realized."

DSP BlackRock World Gold Fund is a Equity - Global fund was launched on 14 Sep 07. It is a fund with High risk and has given a CAGR/Annualized return of 6.5% since its launch. Ranked 11 in Global category. Return for 2019 was 35.1% , 2018 was -10.7% and 2017 was -4% .

Below is the key information for DSP BlackRock World Gold Fund

DSP BlackRock World Gold Fund Growth
Launch Date	14 Sep 07
NAV (30 Jul 20)	₹22.4268 ↓ -0.34 (-1.50 %)
Net Assets (Cr)	₹539 on 30 Jun 20
Category	Equity - Global
AMC	DSP BlackRock Invmt Managers Pvt. Ltd.
Rating	☆☆☆
Risk	High
Expense Ratio	1.67
Sharpe Ratio	1.01
Information Ratio	-1.28
Alpha Ratio	-6.74
Min Investment	1,000
Min SIP Investment	500
Exit Load	0-12 Months (1%),12 Months and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
31 Jul 15	₹10,000
31 Jul 16	₹20,372
31 Jul 17	₹14,966
31 Jul 18	₹13,741
31 Jul 19	₹16,832

DSP BlackRock World Gold Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹543,623.
Net Profit of ₹243,623 Invest Now

Returns for DSP BlackRock World Gold Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 30 Jul 20

Duration	Returns
1 Month	17.4%
3 Month	27.4%
6 Month	53%
1 Year	62.9%
3 Year	22.9%
5 Year	23%
10 Year
15 Year
Since launch	6.5%

Historical performance (Yearly) on absolute basis

Year	Returns
2019	35.1%
2018	-10.7%
2017	-4%
2016	52.7%
2015	-18.5%
2014	-3%
2013	-41.5%
2012	-5.8%
2011	-2.6%
2010	29%

Fund Manager information for DSP BlackRock World Gold Fund

Name	Since	Tenure
Jay Kothari	1 Mar 13	7.34 Yr.

Data below for DSP BlackRock World Gold Fund as on 30 Jun 20

Equity Sector Allocation

Sector	Value
Basic Materials	90.52%

Asset Allocation

Asset Class	Value
Cash	7.65%
Equity	91.38%
Debt	0.04%
Other	0.93%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
BGF World Gold I2 Investment Fund \| -	96%	₹515 Cr	1,470,865 ↑ 30,857
Treps / Reverse Repo Investments / Corporate Debt Repo CBLO/Reverse Repo \| -	5%	₹27 Cr
Net Receivables/Payables Net Current Assets \| -	1%	-₹3 Cr

3. TATA Digital India Fund

The investment objective of the scheme is to seek long term capital appreciation by investing atleast 80% of its net assets in equity/equity related instruments of the companies in Information Technology Sector in India.However, there is no assurance or guarantee that the investment objective of the Scheme will be achieved.The Scheme does not assure or guarantee any returns.

TATA Digital India Fund is a Equity - Sectoral fund was launched on 28 Dec 15. It is a fund with High risk and has given a CAGR/Annualized return of 12.4% since its launch. Return for 2019 was 7.5% , 2018 was 24.9% and 2017 was 19.6% .

Below is the key information for TATA Digital India Fund

TATA Digital India Fund Growth
Launch Date	28 Dec 15
NAV (31 Jul 20)	₹17.1376 ↑ 0.05 (0.29 %)
Net Assets (Cr)	₹364 on 30 Jun 20
Category	Equity - Sectoral
AMC	Tata Asset Management Limited
Rating	Not Rated
Risk	High
Expense Ratio	2.05
Sharpe Ratio	-0.34
Information Ratio	-0.44
Alpha Ratio	-3.92
Min Investment	5,000
Min SIP Investment	500
Exit Load	0-3 Months (0.25%),3 Months and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
31 Jul 16	₹9,838
31 Jul 17	₹9,824
31 Jul 18	₹14,704
31 Jul 19	₹14,774

TATA Digital India Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹505,644.
Net Profit of ₹205,644 Invest Now

Returns for TATA Digital India Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 30 Jul 20

Duration	Returns
1 Month	20.7%
3 Month	27%
6 Month	9.9%
1 Year	16%
3 Year	20.4%
5 Year
10 Year
15 Year
Since launch	12.4%

Historical performance (Yearly) on absolute basis

Year	Returns
2019	7.5%
2018	24.9%
2017	19.6%
2016	-6%
2015
2014
2013
2012
2011
2010

Fund Manager information for TATA Digital India Fund

Name	Since	Tenure
Rahul Singh	20 Apr 20	0.2 Yr.
Meeta Shetty	20 Apr 20	0.2 Yr.

Data below for TATA Digital India Fund as on 30 Jun 20

Equity Sector Allocation

Sector	Value
Technology	85.84%

Asset Allocation

Asset Class	Value
Cash	14.16%
Equity	85.84%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Infosys Ltd (Technology) Equity, Since 31 Jan 16 \| INFY	31%	₹113 Cr	1,539,000
Tata Consultancy Services Ltd (Technology) Equity, Since 31 Jan 16 \| TCS	19%	₹68 Cr	325,000 ↓ -17,500
A) Repo CBLO/Reverse Repo \| -	14%	₹50 Cr
HCL Technologies Ltd (Technology) Equity, Since 31 Jan 16 \| HCLTECH	9%	₹34 Cr	610,000
Wipro Ltd (Technology) Equity, Since 31 Jul 18 \| 507685	7%	₹26 Cr	1,176,000
Persistent Systems Ltd (Technology) Equity, Since 31 Jan 16 \| PERSISTENT	5%	₹19 Cr	301,200
MindTree Ltd (Technology) Equity, Since 31 Jul 19 \| 532819	4%	₹15 Cr	158,000
L&T Technology Services Ltd (Technology) Equity, Since 31 May 18 \| LTTS	3%	₹11 Cr	83,000
Tech Mahindra Ltd (Technology) Equity, Since 30 Apr 16 \| 532755	3%	₹9 Cr	173,000
Oracle Financial Services Software Ltd (Technology) Equity, Since 31 Mar 16 \| 532466	2%	₹7 Cr	25,400

4. Aditya Birla Sun Life Digital India Fund

(Erstwhile Aditya Birla Sun Life New Millennium Fund)

A multi-sector open-ended growth scheme with the objective of long term growth of capital, through a portfolio with a target allocation of 100% equity, focusing on investing in technology and technology dependent companies, hardware, peripherals and components, software, telecom, media, internet and e-commerce and other technology enabled companies. The secondary objective is income generation and distribution of dividend.

Aditya Birla Sun Life Digital India Fund is a Equity - Sectoral fund was launched on 15 Jan 00. It is a fund with High risk and has given a CAGR/Annualized return of since its launch. Ranked 33 in Sectoral category. Return for 2019 was 9.6% , 2018 was 15.6% and 2017 was 22.4% .

Below is the key information for Aditya Birla Sun Life Digital India Fund

Aditya Birla Sun Life Digital India Fund Growth
Launch Date	15 Jan 00
NAV (31 Jul 20)	₹63.57 ↑ 0.50 (0.79 %)
Net Assets (Cr)	₹413 on 30 Jun 20
Category	Equity - Sectoral
AMC	Birla Sun Life Asset Management Co Ltd
Rating	☆☆
Risk	High
Expense Ratio	2.75
Sharpe Ratio	0.14
Information Ratio	0.25
Alpha Ratio	3.66
Min Investment	1,000
Min SIP Investment	1,000
Exit Load	0-365 Days (1%),365 Days and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
31 Jul 15	₹10,000
31 Jul 16	₹10,105
31 Jul 17	₹10,653
31 Jul 18	₹14,693
31 Jul 19	₹14,892

Aditya Birla Sun Life Digital India Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹415,684.
Net Profit of ₹115,684 Invest Now

Returns for Aditya Birla Sun Life Digital India Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 30 Jul 20

Duration	Returns
1 Month	17.6%
3 Month	28.3%
6 Month	10.3%
1 Year	21.3%
3 Year	19.2%
5 Year	12.5%
10 Year
15 Year
Since launch

Historical performance (Yearly) on absolute basis

Year	Returns
2019	9.6%
2018	15.6%
2017	22.4%
2016	-3.5%
2015	11.2%
2014	21.1%
2013	50.2%
2012	3.7%
2011	-21.8%
2010	16.6%

Fund Manager information for Aditya Birla Sun Life Digital India Fund

Name	Since	Tenure
Kunal Sangoi	15 Jan 14	6.46 Yr.

Data below for Aditya Birla Sun Life Digital India Fund as on 30 Jun 20

Equity Sector Allocation

Sector	Value
Technology	68.35%
Communication Services	17.19%
Industrials	11.73%

Asset Allocation

Asset Class	Value
Cash	2.71%
Equity	97.28%
Other	0.01%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Infosys Ltd (Technology) Equity, Since 30 Apr 05 \| INFY	27%	₹111 Cr	1,501,626 ↑ 51,509
Bharti Airtel Ltd (Communication Services) Equity, Since 31 Aug 19 \| BHARTIARTL	12%	₹50 Cr	887,330 ↓ -42,150
HCL Technologies Ltd (Technology) Equity, Since 31 Dec 10 \| HCLTECH	6%	₹26 Cr	464,309 ↓ -42,467
Honeywell Automation India Ltd (Industrials) Equity, Since 30 Jun 18 \| 517174	6%	₹24 Cr	8,159
Cyient Ltd (Industrials) Equity, Since 31 May 14 \| CYIENT	5%	₹22 Cr	784,609
Tata Consultancy Services Ltd (Technology) Equity, Since 30 Apr 05 \| TCS	5%	₹20 Cr	98,420 ↑ 9,628
Tech Mahindra Ltd (Technology) Equity, Since 31 May 13 \| 532755	4%	₹18 Cr	323,931 ↓ -250,579
Apple Inc (Technology) Equity, Since 30 Nov 18 \| AAPL	4%	₹17 Cr	6,286
Majesco Ltd (Technology) Equity, Since 31 Jan 18 \| 539289	4%	₹16 Cr	457,451 ↓ -883
Just Dial Ltd (Communication Services) Equity, Since 30 Sep 19 \| 535648	4%	₹16 Cr	401,818

5. Franklin India Technology Fund

To provide long-term capital appreciation by predominantly investing in equity and equity related securities of technology and technology related companies.

Franklin India Technology Fund is a Equity - Sectoral fund was launched on 22 Aug 98. It is a fund with High risk and has given a CAGR/Annualized return of 18.4% since its launch. Ranked 41 in Sectoral category. Return for 2019 was 12.4% , 2018 was 11.9% and 2017 was 19.1% .

Below is the key information for Franklin India Technology Fund

Franklin India Technology Fund Growth
Launch Date	22 Aug 98
NAV (30 Jul 20)	₹201.579 ↑ 1.41 (0.70 %)
Net Assets (Cr)	₹260 on 30 Jun 20
Category	Equity - Sectoral
AMC	Franklin Templeton Asst Mgmt(IND)Pvt Ltd
Rating	☆
Risk	High
Expense Ratio	2.67
Sharpe Ratio	0.31
Information Ratio	0.1
Alpha Ratio	7.16
Min Investment	5,000
Min SIP Investment	500
Exit Load	0-1 Years (1%),1 Years and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
31 Jul 15	₹10,000
31 Jul 16	₹10,027
31 Jul 17	₹10,477
31 Jul 18	₹13,672
31 Jul 19	₹13,740

Franklin India Technology Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹415,684.
Net Profit of ₹115,684 Invest Now

Returns for Franklin India Technology Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 30 Jul 20

Duration	Returns
1 Month	16.9%
3 Month	26.5%
6 Month	15.4%
1 Year	27.4%
3 Year	18.8%
5 Year	12.1%
10 Year
15 Year
Since launch	18.4%

Historical performance (Yearly) on absolute basis

Year	Returns
2019	12.4%
2018	11.9%
2017	19.1%
2016	-2.6%
2015	3.8%
2014	16.8%
2013	53.3%
2012	0.3%
2011	-15.5%
2010	32.6%

Fund Manager information for Franklin India Technology Fund

Name	Since	Tenure
Anand Radhakrishnan	3 Mar 07	13.34 Yr.
Varun Sharma	30 Nov 15	4.59 Yr.
Pyari Menon	26 Sep 19	0.76 Yr.

Data below for Franklin India Technology Fund as on 30 Jun 20

Equity Sector Allocation

Sector	Value
Technology	71.89%
Communication Services	16.48%
Industrials	2.23%
Consumer Cyclical	1.53%
Financial Services	1.02%
Real Estate	0.5%
Health Care	0.15%

Asset Allocation

Asset Class	Value
Cash	0.57%
Equity	93.8%
Other	5.63%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Infosys Ltd (Technology) Equity, Since 29 Feb 12 \| INFY	27%	₹70 Cr	945,647
Franklin Technology I Acc USD Investment Fund \| -	11%	₹29 Cr	91,868
Tata Consultancy Services Ltd (Technology) Equity, Since 31 Aug 04 \| TCS	8%	₹22 Cr	105,766
HCL Technologies Ltd (Technology) Equity, Since 30 Jun 14 \| HCLTECH	8%	₹21 Cr	370,716
Call, Cash & Other Assets Receivables \| -	5%	₹14 Cr
Bharti Airtel Ltd (Communication Services) Equity, Since 31 Jan 18 \| BHARTIARTL	5%	₹14 Cr	248,973
Info Edge (India) Ltd (Communication Services) Equity, Since 31 Jan 17 \| NAUKRI	5%	₹13 Cr	46,300
Tech Mahindra Ltd (Technology) Equity, Since 28 Feb 14 \| 532755	4%	₹11 Cr	193,656
Cognizant Technology Solutions Corp A (Technology) Equity, Since 30 Apr 16 \| CTSH	4%	₹10 Cr	22,500
Taiwan Semiconductor Manufacturing Co Ltd (Technology) Equity, Since 30 Nov 18 \| 2330	3%	₹7 Cr	88,000

Benefits of Investing in SIP

Some of the major advantages of investing in a SIP are as follows:

Rupee Cost Averaging

Most investors are skeptical about the best time to invest in the market. They are worried about the volatile markets. But, rupee cost averaging breaks all the worries. Since you become a regular investor with a SIP, your money fetches more units when the price of shares is low and lesser when the price is high. During the volatile cycle, it may allow you to achieve a lower average cost per unit. Thus, the positives of investing through a SIP becomes quite evident in the times of market fluctuations.

Power of Compounding

SIPs work on Power of Compounding. Investors can put in a small amount of money and can see how the value increase over time. The longer you stay invested, the greater the value of your investment becomes. As, the returns earned at regular intervals are reinvested in the fund, investors get a return on the return. And the same cycle continues for years. To benefit the most out of the power of compounding, investors should start a savings at an early age to make the most out of it.

No Need to Time the Market

With a SIP, investors don’t need to worry about the market timings. SIP helps investors ride the market volatility by averaging out the cost as they invest a fixed sum regularly at various levels.

Easy Way to Achieve Financial Goals

As you become a regular investor via a SIP, you can easily plan your financial goals. For example, if your short-term goal is buying a car in 2 years, then you can invest in debt funds, and if you have set Retirement planning as your long-term goal then, you should invest in equity funds via a SIP. SIPs also create a regular habit of savings over the long-run. Investors who want to avail all the benefits in their investments should take a SIP route in Mutual Funds.

SIP Return Calculator or Mutual Fund Calculator

A sip calculator is the smartest tool to use while investing in Mutual Funds. It helps to determine the expected returns on your SIP investment. You can calculate the amount required for your investment and time period that you need to stay invested to reach the particular financial goal.

When using a SIP calculator, one has to fill certain variables, that includes-

Investment amount
The desired investment duration
Expected Inflation rate (annual) for the years to come
Long-term growth rate on investments

Once you feed all the above-mentioned information, the calculator will estimate the amount that you will receive after your investment tenure, along with the net profit that you will earn.

Disclaimer:
All efforts have been made to ensure the information provided here is accurate. However, no guarantees are made regarding correctness of data. Please verify with scheme information document before making any investment.