How SIP Returns Are Calculated — Formula, XIRR & Real Examples
SIP returns are calculated using the future value of annuity formula — FV = P × [((1+i)^n – 1)/i] × (1+i) — where each monthly instalment compounds at a different rate based on how long it stays invested. For real-world accuracy, platforms like Groww and Zerodha use XIRR instead of CAGR, because each SIP payment […]
SIP vs FD vs Gold — Where Should You Invest in 2026?
Choosing between SIP, FD, and Gold is one of the most common investment decisions in India. SIP offers market-linked growth, FD provides fixed safety, and Gold acts as a hedge during uncertainty. Over the long term, SIPs in equity mutual funds have historically generated higher inflation-adjusted returns compared to FD and Gold. What is SIP, […]
₹5000 SIP for 20 Years — How Much Wealth Can You Build?
A ₹5000 monthly SIP for 20 years can potentially grow into ₹45–60 lakh depending on the annual return rate. At a 12% annual return, your total investment of ₹12 lakh may grow to nearly ₹50 lakh through long-term compounding and disciplined investing. For many salaried investors in India, ₹5,000 per month is a realistic starting […]