Talk Money With Pavan: The Most Accurate SIP Planner
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Common Questions About SIP Investing
How much SIP is needed for ₹1 Crore?
It depends on your duration. If you invest ₹10,000 per month for 20 years at a 12% annual return, you can reach ₹1 Crore. However, with our Step-Up SIP feature, you can reach this target much faster by increasing your SIP amount every year.
What exactly is a "Step-Up SIP"?
A Step-Up SIP is an advanced way of investing where you increase your monthly investment amount by a fixed percentage (e.g., 10%) every year. This usually matches your annual salary hike and helps in building a massive corpus over time.
Why should I check the "Inflation Adjusted Value"?
Inflation reduces the purchasing power of money over time. ₹1 Crore today will not buy the same things 20 years from now. Our calculator shows you the Real Value of your future wealth in today's terms so you can plan better.
Is it safe to invest in SIP for the long term?
SIPs (Systematic Investment Plans) in Mutual Funds are considered one of the safest ways to enter the stock market. Because you invest every month, you benefit from Rupee Cost Averaging—buying more units when prices are low and fewer when they are high.
What is a realistic return rate for SIP?
Historically, Indian Equity Mutual Funds have given 12% to 15% returns over long periods (10+ years). However, market returns are not fixed, so it's safer to plan with a conservative estimate of 12%.
Can I stop or pause my SIP anytime?
Yes, one of the biggest advantages of SIP is flexibility. You can stop, pause, or withdraw your money anytime you want. There are usually no heavy penalties like traditional insurance plans (LIC) or FD premature withdrawals.
How is tax calculated on SIP returns?
SIP returns are taxed based on how long you hold them. If you sell after 1 year, you pay LTCG (Long Term Capital Gains) tax of 12.5% on profits exceeding ₹1.25 Lakh. If you sell within 1 year, you pay STCG tax of 20%.
Which is better: Monthly SIP or Lump Sum?
For most people, SIP is better because it reduces market risk and develops a habit of saving. Lump sum is good only if you have a large amount of money and the market is currently undervalued.
What is the minimum amount to start a SIP?
In India, you can start a SIP with as little as ₹100 or ₹500 per month. This makes it accessible for students, beginners, and low-income earners to start building wealth early.
How does compounding work in SIP?
Compounding is the "8th wonder of the world." In SIP, you earn returns on your investment, and then you earn returns on those returns! The longer you stay invested, the faster your money grows. This is why starting early is more important than the amount you invest.
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