Ans- SIPs invest in securities markets through the mutual fund route. There is an inherent risk of volatility in markets and SIPs are not completely risk-free. However, SIPs diversify the risk by investing smaller amounts over a period of time by rupee cost averaging.

Ans- The taxation on SIP is no different than mutual funds. SIPs are redeemed on a First In, First Out (FIFO) basis. When units are redeemed within one year from the date of purchase, short term capital gains tax is applicable, and for units redeemed over one year of purchase, long term capital gains tax is applicable. The longer the units are held, the more tax efficient the investment becomes.

Can I modify my SIP amount?

Ans- Yes, you can increase or decrease the SIP amount anytime, there is no restriction on the quantum of investment.

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Q: Can I withdraw SIP anytime?

Ans- Yes, you can withdraw investments made via SIP. You can place a redemption for units in your portfolio anytime. However you should know there are few exception such as ELSS funds which come with a lock in of 3 years.

Q: Can I pause my investments in a SIP?

Ans- Yes, you can pause your SIP anytime, there is no minimum tenure for SIP investment and no lock-in period (other than tax saving funds). SIPs provide you complete flexibility in terms of the amount of investment, withdrawal, or tenure.

Q: What is the maximum tenure of a SIP?

Ans- There is no maximum tenure for SIP. You can continue to invest as long as you want.

SIP

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What is SIP Calculator?

A SIP calculator is a simple tool to visualise the value of SIP investments in the future. SIPs (Systematic Investment Plans) are one of the most popular and preferred investment routes in securities markets. SIP calculators help investors to estimate the returns they can make if they add mutual fund SIPs to their regular savings and investments.

Mutual Fund SIP calculators are intuitive one-click tools that simplify return calculations for periodic investments. They save time and make investment decisions easier.

These SIP investment calculators show a broad estimate, the actual return can vary depending on various factors. These calculators only show gross returns and do not consider any charges or taxes.

How SIP Calculator Works?

Even though you need not use manual calculation for SIP returns, it helps to understand the workings.

SIP calculators use the below formula to calculate the maturity value
FV = P × ({[1 + r]^n - 1} / r) × (1 + r)
In the above formula,

FV is the future value of investment upon maturity.
P is the amount invested at regular intervals.
n is the number of payments done.
r is the expected rate of return.

For example, if an investor invests Rs. 1,000 per month for 12 months at an expected rate of return of 12%,

the monthly rate of return will be 12%/12 = 1/100=0.01

FV = 1,000 X ( { [1 +0.01 ]^12 - 1 } / 0.01) x (1 + 0.01)

which gives Rs 12,809 approximately in a year.

How to Use Rupeezy's SIP Calculator?

Step 1: Select SIP investment option
Step 2: Enter your monthly investment or SIP amount
Step 3: Enter the expected rate of return.
Step 4: Enter the time period or tenure

The calculator will show the total amount invested, estimated returns, and maturity value.

Perks of using Rupeezy's SIP Calculator Online

Simple Tool: The SIP return calculator is an easy-to-use tool. It shows the estimated future value of investments and enables investors to consider different scenarios by changing input values such as monthly investment amount, expected rate of return, time period, etc.
Investment Planning: The SIP calculator eases the investment planning process by showing various scenarios e.g. amount invested, time horizon, and rate of return.
User Friendly: The SIP returns calculator saves time and effort for investors with quick and one-click calculations and can be used any number of times to check different scenarios.

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