Plan your mutual fund investments and calculate expected returns
Please note that the SIP calculator does not represent the actual returns and it is only for calculation of your expected return in given period of time. Mutual Funds do not have a fixed rate of return and it is not possible to predict the actual returns.
*Mutual fund investments are subject to market risks. Please read the offer document carefully before investing.
म्युचुअल फण्डको योजनाले स्थिर प्रतिफलको प्रत्याभूत गर्दैन् साथै माथि उल्लेखित SIP Calculator मार्फत गणना हुने प्रतिफल तपाईले प्रबिष्ट गर्नु भएको विवरणका आधारमा अनुमानित प्रतिफल मात्र रहेको र वास्तविक प्रतिफल फरक पर्न जान सक्ने जानकारी गराउन चाहन्छौँ ।
*कृपया लगानी गर्नुभन्दा अगाडि योजनाको बारेमा बिस्तृत अध्ययन गरी लगानी गर्न हुन समेत हार्दिक अनुरोध गर्दछौँ
A SIP (Systematic Investment Plan) Calculator is a financial tool that helps you estimate the potential returns on your mutual fund investments made through SIP. It takes into account your regular investment amount, the expected rate of return, and the investment duration to project the future value of your investments.
SIP is a method of investing in mutual funds where you invest a fixed amount regularly (monthly, quarterly, etc.) rather than making a lump sum investment. This approach helps in:
In Nepal, mutual funds are regulated by the Securities Board of Nepal (SEBON) and offered by approved fund managers. Popular schemes include NIBL Samriddhi Fund, Siddhartha Equity Fund and NIC Asia Growth Fund. These funds invest in a diversified portfolio of stocks, bonds and money‑market instruments. Minimum monthly SIP contributions can be as low as Rs 500. Annual returns typically range from 8–15 %, but they fluctuate with market conditions.
To invest, open a mutual fund account via your bank or broker’s portal, fill out KYC documents and set up a standing instruction for monthly contributions. Always read the offer document carefully and understand any exit loads or management fees.
The table below illustrates two common goals and how SIP can help achieve them:
| Goal | Investment plan | Projected outcome | Notes |
|---|---|---|---|
| Children’s education | Invest Rs 5,000 monthly for 15 years at a 12 % annual return. | Expected amount ≈ Rs 2.6 million; total invested = Rs 900,000; wealth gain ≈ Rs 1.7 million. | Starting early allows compounding to work in your favour; review fund performance annually. |
| Retirement corpus | Invest Rs 10,000 monthly for 25 years at a 10 % annual return. | Expected amount ≈ Rs 13.3 million; total invested = Rs 3 million; wealth gain ≈ Rs 10.3 million. | Longer tenures and consistent contributions can build a substantial retirement fund even with moderate returns. |
There's no fixed "ideal" amount as it depends on your financial goals and capacity. Many funds allow you to start with as little as Rs. 500 per month. A good approach is to start with an amount you can consistently invest every month without strain, and gradually increase it as your income grows.
SIP calculators provide estimates based on the inputs you provide. The actual returns may vary due to market fluctuations, fund performance, and other factors. The calculator assumes a constant rate of return, which rarely happens in reality. Use it for planning purposes but remember mutual fund investments are subject to market risks.
Yes, most mutual funds allow you to increase your SIP amount through a "Step-up SIP" feature. You can typically increase your investment by a certain percentage annually. Some funds also allow you to decrease the amount, though there might be minimum investment requirements.
Both have their advantages. SIP helps through rupee cost averaging and is better when you don't have a large amount to invest upfront. Lump sum investing can be better when markets are low and you have a large amount available. Historically, lump sum investments have slightly better returns, but SIP reduces risk through diversification over time.
Taxation depends on the type of fund and holding period:
Yes, you can stop your SIP anytime by submitting a cancellation request to your mutual fund or through your online investment platform. However, for ELSS (tax-saving) funds, there's a mandatory 3-year lock-in period for each SIP installment.