JM Financial SIP Calculator

The Systematic Investment Plan (SIP) is a popular investment option among retail investors in India. It allows investors to invest a fixed amount of money at regular intervals, usually every month, into a mutual fund scheme. According to data, the inflow of SIP reached a high of Rs. 13,307 crores in November 2022, which is a testament to its popularity among retail investors. JM Financial Bank is a mutual fund company that enables investors to reach their financial goals using SIP investments. With 5paisa’s handy calculator tool, investors can assess the potential returns from their investment, making it easier for them to plan their financial strategy. This feature of the SIP makes it a great investment option for people who want to invest a small amount of money regularly over time and reach their financial goals.

%
  • 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

  • 42% 3Y Return
  • 39% 5Y Return
  • 74%
  • 1Y Return
  • 37% 3Y Return
  • 31% 5Y Return
  • 61%
  • 1Y Return
  • 37% 3Y Return
  • 27% 5Y Return
  • 73%
  • 1Y Return
  • 34% 3Y Return
  • 26% 5Y Return
  • 52%
  • 1Y Return
  • 31% 3Y Return
  • 30% 5Y Return
  • 50%
  • 1Y Return
  • 39% 3Y Return
  • 28% 5Y Return
  • 65%
  • 1Y Return

JM Financial Limited is the sole sponsor of the JM Financial mutual fund. The JM Financial SIP calculator predicts your return on investment (ROI). To use the online tool, you must choose the total investment corpus, the years for investment and the expected rate of return per annum.

Once you enter this information, the SIP return calculator calculates the return and gives you an approximate value at maturity. The JM Financial SIP calculator allows you to estimate your potential ROI. The monthly investment amount or target amount, the anticipated JM Financial SIP interest rate, the investment tenure, and the optional step-up rate are typically entered into the SIP calculator.

The step-up rate increases your investment amount every year as your income grows. The investment amount, potential capital gains, and maturity amount are abundantly clear. The JM Financial SIP calculator bases its methodology on the investment amount. Investors fill out the appropriate input fields with their investment amount, tenure, interest rate, and step-up percentage.

It is worth noting that because market fluctuations affect how well the funds perform, the JM Financial SIP calculator does not make any return guarantees. Depending on how the fund performs, returns may change. 

The JM Financial SIP calculator is an easy-to-use online tool that predicts the mutual fund performance of JM Financial funds based on the past performance of the scheme. Investors should know that while these calculations can forecast investment performance, they cannot ensure such returns.

Since mutual funds are market-linked, their performance may differ from the final maturity value. The return rate is an assumption made by every tool that calculates investment value at maturity. Typically, users must enter this return value into the online SIP calculators. But the JM Financial SIP calculator selects this figure based on the program's prior performance.

When using the calculator, you can choose various JM Financial mutual fund schemes you want to invest in from a drop-down list. After selecting a plan, the tool shows the historical Extended Internal Rate of Return (XIRR) for that specific investment. The tool uses your SIP amount and investment period to determine the maturity value.

Risk-averse investors prefer SIPs. Compared to lump-sum investments, these are more strategic investment plans. Instead of investing a sizable portion of your corpus all at once, SIPs allow you to invest a small sum each month into a mutual fund scheme.

The following are just a few advantages of using a JM Financial Mutual Fund SIP calculator.

  • ROI Estimation: JM Financial's SIP return calculator offers you a fair amount of accuracy. The outcome might differ slightly from what was anticipated due to market risks.
     
  • More straightforward calculations: Due to technological advancements, you can avoid the laborious process of calculating SIP returns. With just a few inputs, the JM Financial SIP calculator is simple. A SIP calculator is helpful for both seasoned professionals and beginners.
  • Systematic planning: As the name suggests, SIPs are a prudent investment plan, and the estimated results can be evaluated with the help of the JM Financial SIP calculator.
     
  • Monitoring your portfolio: The calculator tracks the performance of your current investments and makes adjustments as needed.
     
  • Reducing risk: By using the calculator, you can calculate the risk level of a fund to make an informed decision based on your risk tolerance.
     
  • Customisable: The calculator allows you to input your specific investment objectives, risk tolerance and time horizon, thus providing customised recommendations based on your preferences.
     
  • Budgeting and goal setting: The calculator can help you set financial goals and budgeting plans, thus giving you a clear idea of your savings and returns.
     
  • Unlimited tries at zero cost: Investors can compare multiple mutual fund options and schemes at no cost. You can use the tool unlimited times till you find the investment opportunity that is the perfect fit for you.

It's important to note that before investing, you should conduct your research and due diligence on the mutual funds offered by JM Financial and the overall market conditions.

Formula to Calculate JM Financial SIP Returns

The JM Financial SIP calculator uses the typical SIP variables to calculate the ROI (Return On Investment). The formula for manually calculating the amount is:

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 

For example, let's say you invest 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

In connection to the above illustration, the projected SIP returns based on these variables can be listed as below.

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 

As mentioned above, a SIP calculator requires some inputs to calculate the SIP returns. The JM Financial SIP Calculator uses the following information:

  • Monthly instalment
  • Your fund name or expected growth rate
  • Investment duration
  • Step-up percentage (optional)

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 SIP amount

Step 2: Choose a fund, such as the JM Financial Liquid Fund Regular Growth Fund, as your first investment.

Step 3: Determine the investment duration.

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

The JM Financial SIP calculator estimates the performance of any JM Financial mutual fund using the scheme's historical performance. The tool helps you choose better investments by showing where the fund stands within its category. Here are some key benefits of the JM Financial SIP calculator:

  • Easy to use: Quick and straightforward for estimating the SIP returns of JM Financial mutual fund schemes.
  • Hassle-free: The SIP calculator eliminates the tedious manual calculation and gives you your potential return amount hassle-free.
  • Saves time: Any investor can check the scheme's potential returns at their fingertips.
  • Free of cost: Investors can use the calculator unlimited times without incurring any costs.

Frequently Asked Questions

Depending on your chosen fund, investing in the JM Financial SIP may result in a capital gain on your investments. With a CRISIL rating of 3 or higher, many of JM Financial's equity programs are considered more reliable.

SIPs are a fantastic way to develop good investment habits. JM Financial SIP enables you to make regular, fixed monthly investments that grow over time.

You can use your 5paisa trading and Demat account to open a SIP account in JM Financial. Here’s how:

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

Step 2: Choose the desired JM Financial 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..