IDFC SIP Calculator

SIPs are one of India's most successful investment modes for retail investors. The SIP inflow touched Rs. 13,307 crores in November 2022. IDFC Bank is one of the mutual funds that allow you to reach your financial goals. You can also assess your potential returns from the investment using the IDFC SIP Calculator.

%
  • Invested Amount
  • Wealth Gained
  • Invested Amount
  • ₹0000
  • Wealth Gained
  • ₹0000
  • Expected Amount
  • ₹0000

Yearly Breakdown

Invested Amount
₹ 61,200
Wealth Gained
₹ 10,421

The total value of your investment after
3Years will be

₹ 71,621
Year Invested Amount Wealth Gained Expected Amount
Year Invested Amount Wealth Gained Expected Amount
2023 ₹ 20,400 ₹ 1,139 ₹ 21,539
2024 ₹ 20,400 ₹ 3,395 ₹ 45,334
2025 ₹ 20,400 ₹ 5,887 ₹ 71,621

Choose from our top performing funds

  • 43% 3Y Return
  • 38% 5Y Return
  • 74%
  • 1Y Return
  • 37% 3Y Return
  • 31% 5Y Return
  • 59%
  • 1Y Return
  • 37% 3Y Return
  • 27% 5Y Return
  • 69%
  • 1Y Return
  • 32% 3Y Return
  • 27% 5Y Return
  • 53%
  • 1Y Return
  • 32% 3Y Return
  • 30% 5Y Return
  • 51%
  • 1Y Return
  • 39% 3Y Return
  • 28% 5Y Return
  • 64%
  • 1Y Return

Established in 2000, IDFC AMC is one of India's top 10 wealth managers, with average assets under management (AUM) of over Rs. 1,20,000 crore across 60+ mutual fund schemes as of December 2020.

You can calculate potential mutual fund investment returns using the IDFC SIP Calculator. SIP calculators typically use inputs such as investment or target amount, expected interest rate, period, and step-up rate. The investment amount, potential capital gains, and potential maturity amount are evident.

The IDFC SIP Calculator uses an algorithm based on the target maturity amount to determine the monthly SIP. The investor enters the amount, term, interest, and step-up rate in the input fields. Please note that the IDFC SIP Calculator does not guarantee returns, as fund performance is subject to market fluctuations. Returns may fluctuate depending on the operational status of the fund.

The IDFC SIP calculator is an effortless tool that estimates the IDFC mutual fund performance based on its historical performance. It is noteworthy that the calculations can help forecast investment performance but do not guarantee such returns.

Additionally, mutual funds are market-linked. Therefore, they may be a discrepancy between the fund's performance and the final investment value. Returns in mutual funds SIP are subject to market risk.

Any tool that calculates investment value at maturity assumes a return percentage. Generally, users need to enter this return value into the online SIP calculators. However, the IDFC SIP Interest Rate Calculator determines this value based on the scheme's historical performance.

The IDFC SIP calculator uses the compound interest principle (or compounding). Unlike simple interest, compound interest pays interest on both the principal and the previous year's amount.

This principle uses details like regular investment, investment period and expected rate of return. The SIP Investment Calculator estimates the maturity value of mutual fund investments.

The SIP calculator uses the following formula:

M = P × ({[1 + i] n - 1}/i) × (1 + i).

where M is the amount received at maturity. P represents the amount you regularly invest. n is the number of payments. i is the periodic interest rate.

SIPs are suitable for risk-averse investors. These are more strategic investment plans than lump sum investments. SIPs allow you to deposit small amounts into the mutual fund system each month rather than all at once.

Using the IDFC Mutual Fund SIP Calculator has several advantages:

  • Estimating potential returns: A mutual fund calculator can help investors estimate the potential returns they could earn on their investment based on different factors such as the fund's past performance and the investor's risk tolerance.
     
  • Diversifying investments: A mutual fund calculator can help investors diversify their portfolio by showing them the different types of mutual funds available and how they can fit into an overall investment strategy.
     
  • Monitoring performance: A mutual fund calculator can help investors track the performance of their mutual fund investments over time, allowing them to make informed decisions about buying or selling shares.
     
  • Tax implications: A mutual fund calculator can also help investors understand the tax implications of their investments.
     
  • Compare returns with other options: A mutual fund calculator can help investors compare the returns of their mutual fund investments with other options such as stocks, bonds, and real estate.
     
  • Assessing the risk: A mutual fund calculator can also help investors assess the mutual fund's risk and compare it with other funds.

Overall, a mutual fund calculator can be a valuable tool for investors as it can provide a wealth of information that can help them make informed decisions about their investments.

Formula to Calculate IDFC SIP Returns

The IDFC SIP calculator uses the typical SIP formula to calculate the Return On Investment (ROI). The procedure goes like this-

FV = [P x R x (1 + i) n-1/i] x (1 + i)

Where

FV= Future Value

P= Principal

R= Expected Rate of Returns

i= Compound rate of return

n= Number of instalments

This calculation can get complex and time-consuming if you try to get the results manually. Hence, the IDFC SIP investment calculator is better for finding your potential investment return.

For example, an investor invests Rs. 2000 monthly through a SIP plan with a 2-year tenure with an expected return of 12%. The calculator estimates the return value right away: 

  • Amount invested: Rs. 24,000
  • Expected return amount: Rs. 25, 619
  • Wealth gain: Rs. 1,619

It is noteworthy that the investor may get a capital appreciation higher or lower depending on the market conditions. Considering the above illustration, the projected SIP returns based on these variables can be listed as

Duration 

SIP Amount 

Future Value

1 year 

2000

0.3 Lakhs 

5 years 

2000

1.6 Lakhs 

8 years 

2000

3.2 Lakhs 

10 years 

2000

4.6 Lakhs 

The SIP Return calculator IDFC can be used in two ways:

  • By inputting your monthly investment amount or
  • By entering your financial goals

In the first calculation, you can input your monthly contribution towards the fund and anticipate your investment return at maturity. On the other hand, if you have a target goal to achieve within a timespan at an expected rate of return, you can input the expected amount to know your monthly contribution requirement.

You need to answer the following:

  • The amount you want to invest can range between 0.5k to 1L.

Per month: ranging from 1 year to 30 years

  • At an expected return of 5% to 20%,

The calculator calculates the scheme's historical returns based on the inputs above. Use the calculator to your advantage by following these simple steps:

Step 1: Enter your monthly investment amount

Step 2: Determine the time (years) you want to stay invested in

Step 3: Your required rate of return

Finally, the calculator provides an investment period value based on the scheme's past earnings, SIP amount, and investment period. 

The IDFC SIP Calculator uses the system's past performance to estimate the performance of each IDFC Mutual Fund. This tool helps you make better investment choices by showing you where your fund ranks within its category. Some of the key benefits of the IDFC SIP Calculator are as follows.

  • The mutual fund calculator IDFC is a simple and effective tool for estimating the SIP amount or the possible return on investment.
  • Technological advances can overcome the lengthy process of calculating SIP returns. ICICI Prudential SIP Calculator is easy to use with just a few inputs. SIP Calculator is useful for experts in the field (because it saves time) and lay people (because it is easy).
  • Investors can therefore see the return potential of the program at the click of a button.

Frequently Asked Questions

As with any mutual fund SIP, investments in IDFC SIPs carry market risk. However, with the right fund selection, IDFC SIPs can provide a substantial return on investment. Choosing funds with a CRISIL rating of 3 or higher is recommended, as they are considered more reliable.

 

SIPs are a fantastic way to build investment habits. With IDFC SIP, you can invest a fixed amount each month, which will add up over time.

First, you must decide on a mutual fund and fill out an application. Please submit it together with the required documents at the nearest branch.

OR

Step 1: Log in to your Demat account on the 5paisa app.

Step 2: Choose the desired IDFC mutual fund scheme.

Step 3: Select the “Start SIP” option.

Step 4: Fill in all the required details and upload all documents.

Step 5: Submit the application to open a SIP account.

Disclaimer: The calculator available on the 5paisa website is intended for informational purposes only and is designed to assist you in estimating potential investments. However, it is important to understand that this calculator should not be the sole basis for creating or implementing any investment strategy. View More..