SIP Calculator
💡 SIP averages out market volatility through rupee cost averaging. The longer the tenure, the stronger the compounding effect.
Invested Amount
₹6,00,000
Est. Returns
₹5,61,695
Total Value
₹11,61,695
Invested
Returns
Growth over time
| Year | Invested | Value | Gain |
|---|
Lump Sum Calculator
💡 Lump sum works best when markets are down. The power of compounding is most visible over long periods.
Principal
₹1,00,000
Total Returns
₹2,10,585
Maturity Value
₹3,10,585
Principal
Returns
Compounding growth
| Year | Principal | Value | CAGR |
|---|
SWP Calculator
💡 SWP provides a regular income stream while keeping the remaining corpus invested and growing.
Total Withdrawn
₹12,00,000
Remaining Corpus
₹7,57,226
Corpus Status
Surplus
Remaining corpus
Cumulative withdrawn
Corpus depletion over time
LTCG / Tax Calculator
💡 For equity funds held >1 year, LTCG above ₹1 lakh is taxed at 12.5% (post Jul 2024 budget). STCG at 20%.
Total Gain
₹1,50,000
Tax Payable
₹6,250
Net Gain After Tax
₹1,43,750
Gain breakdown
Fund Performance Comparator
Fund A
Fund B
Fund A (net of expense)
₹3,39,456
Fund B (net of expense)
₹2,85,312
Fund A
Fund B
Goal-Based Planner
💡 Enter your financial goal and let the planner tell you exactly how much SIP you need to start today.
Required SIP
₹10,532
Total Investment
₹18,95,760
Returns Generated
₹31,04,240
Savings journey to your goal
Corpus built
Remaining to goal
Step-Up SIP Calculator
💡 Step-Up SIP increases your investment by a fixed % each year, aligned with your salary growth — maximising long-term wealth.
Total Invested
₹9,56,249
Returns
₹9,57,452
Final Value
₹19,13,701
Step-Up SIP
Regular SIP (same start)
Year-wise SIP amount
| Year | Monthly SIP | Invested | Value |
|---|
Direct vs Regular Plan
Direct plan
Regular plan
Total invested
All 6 funds — summary at selected settings
| Fund | Reg ER | Dir ER | Gap | Regular value | Direct value | Direct wins by |
|---|
Data sourced from ValueResearch, Dezerv, Groww and AMC websites (May 2026). Returns are illustrative. Growth option assumed. Not financial advice.
Portfolio Builder
Market Conditions Analysis
📈 Bull market
Strong broad rally, risk appetite high, mid & smallcaps outperform
Examples: 2017, 2021, 2023–24
📉 Bear market
Broad selloff, liquidity dries, largecaps hold up, smallcaps hit hardest
Examples: 2008, 2020 crash, 2022
↔ Sideways market
No clear direction, sector rotation, value and quality outperform momentum
Examples: 2015–16, mid-2018, 2023 Nifty
Bull market — portfolio outlook
Strong
Good
Neutral
Weak
Hard hit
Each fund rated across all three market conditions. Scores reflect expected relative performance vs category peers.
| Fund | Bucket | 📈 Bull | 📉 Bear | ↔ Sideways | Best in |
|---|
SIP Returns Simulator
Direct vs Regular · edit names · rates · SIP amounts · toggle funds · compare horizons
How Regular rates are calculated: Each fund's direct XIRR is reduced by a per-category TER gap (typical difference between regular and direct expense ratios). Smallcap/Midcap: −1.1–1.2% · Large+Mid/Thematic/Sectoral: −1.0% · Flexicap: −0.9% · Hybrid: −0.8% · Index: −0.1%.
Toggle funds on chart
Fund details — click any name to edit inline