Frequently Asked Questions
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Mutual Fund Returns
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How it works
A SIP invests a fixed amount every month into a mutual fund. Because you buy more units when prices are low and fewer when high (rupee-cost averaging), your average cost smooths out over time.
The formula
FV = P × [((1 + r)^n − 1) / r] × (1 + r)- FV
- Future value at maturity
- P
- Monthly investment amount
- r
- Monthly rate = annual rate ÷ 12 ÷ 100
- n
- Total number of months (years × 12)
Worked example
₹5,000/month for 20 years at 12% annual return → invested ₹12,00,000, projected value ~₹50 lakh.
Pro tips
- Start early to maximize compounding.
- Step-up your SIP as your income increases.
Common mistakes
- Stopping SIPs during market downturns.
Go deeper
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Institutional grade calculations are illustrative and for educational wealth architecture. Results do not constitute investment advice.