SIP return kaise nikale: har mahine ka nivesh, saalon me kitna
Yeh sirf anumaan hai, financial advice nahi. Aap jo bharte hain, woh aapke device par hi rehta hai. 22 Oct 2026 ko check kiya gaya.Har mahine ki chhoti raqam saalon me kitni ban jaati hai, yeh SIP return kaise nikale ka asli sawaal hai. Mahine ki raqam, saalon ki ginti aur maana hua return set kijiye, aur chart alag alag dikha deta hai ki kitna aapne daala aur kitna growth ne joda. Rate ek anumaan hai, vaada nahi: fund koi fixed deposit nahi hota. Yeh sirf anumaan hai, koi financial advice nahi.
| Year | Invested (cumulative) | Value | Gains |
|---|---|---|---|
| 1 | ₹1,20,000 | ₹1,28,093 | ₹8,093 |
| 2 | ₹2,40,000 | ₹2,72,432 | ₹32,432 |
| 3 | ₹3,60,000 | ₹4,35,076 | ₹75,076 |
| 4 | ₹4,80,000 | ₹6,18,348 | ₹1,38,348 |
| 5 | ₹6,00,000 | ₹8,24,864 | ₹2,24,864 |
| 6 | ₹7,20,000 | ₹10,57,570 | ₹3,37,570 |
| 7 | ₹8,40,000 | ₹13,19,790 | ₹4,79,790 |
| 8 | ₹9,60,000 | ₹16,15,266 | ₹6,55,266 |
| 9 | ₹10,80,000 | ₹19,48,215 | ₹8,68,215 |
| 10 | ₹12,00,000 | ₹23,23,391 | ₹11,23,391 |
Rates and rules read from the sources listed on this page (the earliest on 22 Oct 2026); they may have changed since.
Har mahine kitna nivesh karna hai, kitne saal tak, aur kitne return ka anumaan hai - teeno set kijiye.
Chart me dekhiye ki kitna aapne daala aur kitna growth ne joda.
Saal dar saal table neeche padhiye, ya Compare A vs B me do plan mila kar dekhiye.
Yeh page batata hai ki har mahine ek tay raqam lagate rehne par, ek maane hue saalana return par, aapka paisa kitna ban jaata hai. Aakhri value, kul kitna aapne daala, aur uske upar kitna fayda hua - teeno milte hain, saath me ek chart aur saal dar saal ki table, jo slider hilate hi badalti rehti hai.
Fund shuru karne se pehle ek seedha sawaal. Kya ₹10,000 mahina 10 saal me ₹20 lakh tak pahuncha dega, ya ₹15,000 lagane padenge? Ya do plan ki tulna: 10 saal ka SIP 12% par, ya 15 saal ka SIP 10% par - Compare A vs B tab isi ke liye hai. Ek aur aam hisaab: ₹10,000 mahina 15 saal tak 12% par kareeb ₹50 lakh ban jaata hai, jisme se ₹18 lakh wahi hai jo aapne apni jeb se daala.
Saalana rate ko 12 se baanta jaata hai aur har mahine ki shuruaat me ek kist maani jaati hai, yaani annuity due ki future value:
FV = P × [((1+i)^n − 1) / i] × (1+i), jahan i = saalana rate ÷ 12, n = mahine, aur P = har mahine ki raqam.
Asli fund har saal ek hi percent nahi deta - kabhi zyada, kabhi kam, aur kabhi minus me. Isliye jo aankda yahan dikhta hai use planning ka anumaan maaniye, kisi tay rakam ki tarah nahi. Fund koi fixed deposit nahi hai. Expense ratio, exit load aur capital gains tax isme nahi kaate gaye, aur mehngai ka asar bhi alag se sochna hoga. Jo aap likhte hain woh kahin nahi bheja jaata; hisaab aapke apne browser me chalta hai. Yeh sirf anumaan hai, jaankari ke liye, koi financial advice nahi.
Har mahine ki raqam, jitne return ka anumaan hai, aur saalon ki ginti daal dijiye. Har kist saalana rate ko baarah se baant kar compound hoti hai, wahi annuity-due formula jo fund house istemaal karte hain. Jo value dikhti hai woh nominal hai, yaani expense ratio, exit load, capital gains tax aur mehngai usme se nahi kate hain.
Nahi. SIP koi fixed deposit nahi hai; asli fund har saal ek hi percent nahi deta aur kuch saal minus me bhi ja sakte hain. Yahan jo rate aap daalte hain woh sirf ek maan liya gaya aankda hai. Isliye 10 aur 12 dono daal kar ek range dekhiye, ek hi number par tikiye mat.
Lambe samay me Indian equity fund ka itihaas kareeb 10 se 14 percent saalana raha hai, lekin bahut utaar chadhaav ke saath. Isiliye ek number par bharosa karne ke bajaye 10 aur 12 dono aazma kar dekhiye ki natija kitna badalta hai - yahi range aapki planning ke liye zyada kaam ki hai.
Nahi. Jo value dikhti hai woh nominal hai: capital gains tax se pehle, fund ke expense ratio se pehle aur mehngai se pehle. 20 saal baad ka 1 crore, 6% mehngai par, aaj ke kareeb 31 lakh jitna hi khareedta hai. Asli value ke liye Inflation Calculator aur tax ke liye FD vs Mutual Fund dekhiye.
Aisa SIP jisme har saal mahine wali raqam ek tay percent se badh jaati hai, aam taur par salary badhne ke hisaab se. Step-up SIP on karke dekhiye ki saal me 10 percent ki badhotri aakhri value ko kitna badal deti hai. Yeh un logon ke liye hai jinki aamdani har saal thodi badhti hai.
Yeh saalon aur maane gaye return par nirbhar hai. 15 saal tak 12% par ₹10,000 mahina kareeb ₹50 lakh banta hai, jisme se ₹18 lakh wahi hai jo aapne daala aur baaki growth hai. Saal ya rate badalte hi yeh aankda badal jaata hai, isliye slider hila kar khud dekh lijiye.
Haan. Share ek link copy karta hai jo aapki daali hui mahine wali raqam, return, avadhi aur step-up wapas khol deta hai, taki saamne wala wahi aankde dekhe. Embed ek iframe deta hai jise apni site par laga sakte hain. Link me aapke aankde hote hain, isliye use soch samajh kar bhejiye.
Rates aur niyam badalte rehte hain. Kisi figure par bharosa karne se pehle source dekh lijiye.
Jawab nahi mila? SIP Return Kaise Nikale ke baare mein poochein, jise pata hoga woh jawab dega. Account banane ki zaroorat nahi.
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