LIC SIP Calculator

Estimate Your Investment Returns in LIC Mutual Fund SIPs

The LIC SIP Calculator helps you forecast the future value of your SIP (Systematic Investment Plan) investments in LIC Mutual Fund schemes. Whether you’re investing for long-term goals like retirement, education, or wealth creation, this calculator provides a clear estimate of how your money can grow through monthly contributions and compound returns.

What Is an LIC Mutual Fund SIP?

A Systematic Investment Plan (SIP) allows you to invest a fixed amount in an LIC Mutual Fund scheme at regular intervals, usually monthly. It encourages financial discipline and offers benefits like:

• Rupee cost averaging (buying more units when prices are low)
• Compounding (returns on returns)
• Flexibility and affordability (start with ₹500 or ₹1,000 per month)

LIC Mutual Fund offers SIP options across equity, debt, hybrid, and tax-saving schemes.

How the LIC SIP Calculator Works

To use the calculator, enter:

• Monthly investment amount
• Investment duration (in years)
• Expected annual return (%)

Formula Used:

Future Value = P × [{(1 + r)^n – 1} / r] × (1 + r)

Where:

• P = Monthly SIP amount
• r = Expected monthly return = Annual rate ÷ 12 ÷ 100
• n = Total number of months = years × 12

Output Provided:

• Total amount invested
• Estimated returns earned
• Maturity value at the end of the investment period

Example

If you invest ₹5,000 monthly in an LIC Mutual Fund SIP for 15 years at an assumed annual return of 12%:

• Total investment = ₹9 lakh
• Maturity value = ₹20.3 lakh (approx.)
• Estimated returns = ₹11.3 lakh

Benefits of Using the LIC SIP Calculator

• Quick Results: Instantly estimate long-term investment outcomes
• Goal Alignment: Adjust inputs to match your financial goals
• Scenario Planning: Test different return rates and durations
• Simplified Forecasting: No manual calculations needed

Disclaimer : The results given by the above calculator are for illustration purpose only. They are often based on a number of assumptions. The results given are in no way any guarantee of the returns that will be given. Investments in stock markets and securities markets are subject to market risks and other risks. There is no guarantee of the return that will be actually given. Investment in other financial products may also be subject to market risks and other risks. There is no guarantee of the returns that will be given by them. The calculator also does not make any recommendation directly or indirectly. Please consult a registered Financial Advisor before taking any investment decision.