Aditya Birla SIP Calculator

A Systematic Investment Plan, or SIP, is a method of investing in mutual funds where you contribute a fixed amount at regular intervals, typically every month. Instead of putting in a large lumpsum at one go, SIPs let you spread your investment over time.

Each month, a pre-decided amount is auto-debited from your bank account and used to buy units of your chosen mutual fund. Over time, this builds a disciplined investing habit while also smoothing out the impact of market ups and downs.

SIPs work well for long-term wealth creation because of two core principles. The first is rupee cost averaging, where you end up buying more units when prices are low and fewer when prices are high, which averages out your overall purchase cost. The second is compounding, where the returns generated on your investments themselves start generating returns, leading to faster wealth accumulation the longer you stay invested.

SIPs are flexible. You can start one, pause it, increase the amount, or stop it at any time. This makes them suitable for salaried investors, first-time investors, and anyone with a long-term financial goal like retirement, a home down payment, or a child’s education.

A SIP calculator uses a standard mathematical formula to estimate how much your monthly investment can grow into over time. The formula is:

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

Where:

Why monthly return, not annual?

Many people make the mistake of taking the expected annual return and simply dividing it by 12 to get the monthly rate. For instance, treating a 12% annual return as 1% per month. This gives an inflated result because mutual fund returns compound.

The correct approach is to convert the annual return into an effective monthly return using this formula:

Monthly Return = (1 + Annual Return)^(1/12) – 1

For an annual return of 12%, the effective monthly return works out to about 0.95%, not 1%. When you compound 0.95% monthly across 12 months, you correctly arrive at 12% annually. Using a flat 1% per month would compound to over 12.6% per year, overstating the maturity value.

A worked example

Let’s say you invest ₹1,000 every month for 12 months at an expected annual return of 12%.

First, convert the annual return into a monthly rate:

i = (1 + 0.12)^(1/12) – 1 = 0.0095 (or 0.95%)

Now apply the SIP formula:

M = 1,000 × ({[1 + 0.0095]¹² – 1} / 0.0095) × (1 + 0.0095)

M ≈ ₹12,766

So a ₹1,000 monthly SIP for 12 months at 12% annual return grows to approximately ₹12,766 (₹12,000 invested + ₹766 gain).

Note that this assumes a steady rate of return throughout the SIP period. In reality, mutual fund returns vary with market conditions. The calculator gives you an estimate, not a guaranteed outcome.

Ranked by AUM, these are Aditya Birla Sun Life’s largest mutual funds available for SIP. Past performance is not indicative of future results.

AUM and returns as of March 19, 2026. Source: AMFI

your existing portfolio, risk profile, age, income, and financial goals.

NovaAI, Novelty Wealth’s AI-powered advisory engine, scores every Aditya Birla Sun Life mutual fund on a personalized scale and recommends the funds best suited to you. The highest-scoring Aditya Birla Sun Life fund for one investor may be different from the best pick for another.

Available on the Novelty Wealth app. Connect your existing portfolio and get personalized Aditya Birla Sun Life fund scores and recommendations.

When investing in Aditya Birla Sun Life mutual funds, you can choose between a SIP or a lumpsum (one-time) investment. Both have their place.

For most retail investors building long-term wealth, a SIP is the recommended approach. It removes the pressure of market timing and converts your monthly savings into long-term wealth. Lumpsum investments work better when you have a large windfall and a clear conviction that the market is undervalued.

You can use both approaches together. For instance, run a steady SIP and add a lumpsum investment whenever you have surplus cash.

Aditya Birla Sun Life Mutual Fund, one of India’s leading mutual fund houses, was set up on 23-Dec-1994 (as per AMFI). It is sponsored by Aditya Birla Capital Limited, Sun Life (India) AMC Investments Inc..

With total direct-plan AUM of approximately ₹2.59 Lakh Cr, 86+ active direct plan schemes, and a track record of 32+ years, Aditya Birla Sun Life Mutual Fund serves investors across equity, debt, hybrid, and index categories.

Aditya Birla Sun Life offers schemes across major mutual fund categories, with funds suited to different risk profiles and investment goals.

Harish Krishnan was elevated to CIO - Equity in January 2026 after the previous CIO Mahesh Patil stepped down following 21 years at the AMC. Kaustubh Gupta heads the Fixed Income team.

HDFC Mutual Fund covers all major fund categories Indian SIP investors commonly use. Below are some of the popular ones based on the top funds by AUM:

Aditya Birla Sun Life’s product range spans across risk profiles, from equity-oriented schemes to hybrid and index funds.

Aditya Birla Sun Life Large Cap Fund

Aditya Birla Sun Life Large Cap Fund invests primarily in India’s top 100 companies by market capitalization. This is for investors seeking exposure to established blue-chip companies with relatively lower volatility than mid or small-cap funds. Use the Aditya Birla Sun Life Large Cap Fund SIP calculator above to estimate your returns.

Aditya Birla Sun Life Flexi Cap Fund

Aditya Birla Sun Life Flexi Cap Fund invests across large, mid, and small-cap stocks based on market opportunities. This is for investors seeking diversified equity exposure with a long-term horizon. Use the Aditya Birla Sun Life Flexi Cap Fund SIP calculator above to estimate your returns.

Aditya Birla Sun Life ELSS Tax Saver

Aditya Birla Sun Life ELSS Tax Saver allows tax deduction of up to ₹1.5 lakh under Section 80C (applicable under the old tax regime) while providing equity exposure. This fund has a mandatory 3-year lock-in period. This is for investors combining tax savings with long-term equity investing. Use the Aditya Birla Sun Life ELSS Tax Saver SIP calculator above to estimate your returns.

Aditya Birla Sun Life Balanced Advantage Fund

Aditya Birla Sun Life Balanced Advantage Fund dynamically shifts between equity and debt based on market valuations, offering equity-linked exposure with lower volatility than pure equity funds. This is for investors who want equity participation with a built-in cushion against market corrections. Use the Aditya Birla Sun Life Balanced Advantage Fund SIP calculator above to estimate your returns.

Aditya Birla Sun Life Focused Fund

Aditya Birla Sun Life Focused Fund holds a concentrated portfolio of stocks selected on a high-conviction basis. This is for investors comfortable with concentrated equity exposure as part of their portfolio. Use the Aditya Birla Sun Life Focused Fund SIP calculator above to estimate your returns.

Aditya Birla Sun Life Equity Hybrid ’95 Fund

Aditya Birla Sun Life Equity Hybrid ’95 Fund maintains a mix of equity and debt instruments with a higher equity tilt. This is for investors seeking equity-oriented growth with some debt allocation for stability. Use the Aditya Birla Sun Life Equity Hybrid ’95 Fund SIP calculator above to estimate your returns.

Aditya Birla Sun Life Multi Asset Allocation Fund

Aditya Birla Sun Life Multi Asset Allocation Fund invests across multiple asset classes including equity, debt, and gold, providing diversification beyond pure equity. This is for investors seeking broad asset diversification within a single fund. Use the Aditya Birla Sun Life Multi Asset Allocation Fund SIP calculator above to estimate your returns.

Aditya Birla Sun Life Multi-Cap Fund

Aditya Birla Sun Life Multi-Cap Fund maintains exposure across large, mid, and small-cap stocks based on SEBI’s multi-cap framework. This is for investors seeking structured diversification across all three market cap segments. Use the Aditya Birla Sun Life Multi-Cap Fund SIP calculator above to estimate your returns.

Aditya Birla Sun Life Value Fund

Aditya Birla Sun Life Value Fund follows a value investing approach, selecting stocks that appear undervalued relative to their fundamentals. This is for investors who believe in long-term value-driven investing. Use the Aditya Birla Sun Life Value Fund SIP calculator above to estimate your returns.

Aditya Birla Sun Life Mid Cap Fund

Aditya Birla Sun Life Mid Cap Fund invests primarily in Indian mid-cap companies, ranked 101st to 250th by market capitalization. This is for investors with higher risk appetite looking for growth-oriented mid-cap exposure over a long-term horizon. Use the Aditya Birla Sun Life Mid Cap Fund SIP calculator above to estimate your returns.

How to Use the Aditya Birla SIP Calculator

The Aditya Birla SIP Calculator estimates what your monthly SIP investment could grow into over time. Here’s how it works:

The calculator shows your total invested amount, wealth gained through compounding, and final maturity value. Use it to plan the monthly SIP amount needed for goals like retirement, children’s education, or long-term wealth creation.