LIC SIP Calculator

A Systematic Investment Plan (SIP) in LIC Mutual Funds is one of the smartest ways to generate wealth over the long term. Unlike traditional life insurance endowments, SIPs invest your money directly into equity and debt markets, offering the potential for significantly higher inflation-beating returns.

The Power of Compounding

The secret behind SIPs is the "eighth wonder of the world"—compound interest. By investing a small, fixed amount every month (like ₹2,000 or ₹5,000), you earn returns not just on your principal amount, but also on the accumulated returns from previous months. Over 10, 15, or 20 years, this snowball effect can turn modest savings into a multi-crore portfolio.

• Rupee Cost Averaging: You buy more mutual fund units when the market is low and fewer units when the market is high, automatically balancing your acquisition cost without needing to "time the market."
• Flexibility: You can start an SIP with as little as ₹500/month, and you can pause, stop, or increase it at any time.
• Liquidity: Most open-ended LIC Mutual Funds can be redeemed at any time within a few working days (subject to exit loads).

How to Use Our SIP Calculator

Our SIP Returns Calculator instantly projects your future wealth. Just enter your monthly investment amount, your expected annual return rate (typically 10-15% for equity funds), and your investment horizon. The calculator will show you exactly how much your money will grow, clearly separating your actual invested amount from your massive capital gains.