HDFC SIP Calculator
About the HDFC SIP Calculator
A HDFC SIP is a Systematic Investment Plan into mutual fund schemes offered through HDFC — a fixed amount invested every month. The mechanics are the same as any SIP: regular contributions that average your cost across market levels and compound over time.
This calculator projects what a monthly SIP in HDFC mutual funds grows to at an expected annual return. The return on a market-linked fund is not fixed, so the figure is a projection based on the rate you enter.
Frequently asked questions
How is a HDFC SIP return calculated?
With the standard SIP formula: FV = P × ([(1 + i)ⁿ − 1] ÷ i) × (1 + i), where P is the monthly amount, i is the annual rate ÷ 12 and n is the number of months. The maths is the same for any fund house.
Is a HDFC SIP return guaranteed?
No. A HDFC SIP invests in market-linked mutual funds, so the actual return varies with the market and the schemes you pick. The rate you enter is a planning assumption, not a guarantee.
Is a HDFC SIP different from a regular SIP?
Only in the fund house. The SIP mechanism — fixed monthly investment, rupee-cost averaging, compounding — is identical; what differs is the specific schemes and their performance. Compare funds on track record and cost, not the SIP method.
What is the minimum HDFC SIP amount?
Many schemes allow SIPs from as little as ₹500 a month, though the exact minimum depends on the specific fund. Check the scheme details before starting.
Can I pause or stop a HDFC SIP?
Yes. SIPs are flexible — you can usually pause, modify or stop them with no penalty (unlike a recurring deposit), and you can step up the amount over time with a top-up.