Index Fund SIP Calculator
Calculate Nifty 50 and Sensex index fund SIP returns - low-cost passive investing.
Estimated Corpus
₹93.40 L
at 11.5% for 20yr
Total Invested
₹24.00 L
at 11.5% for 20yr
Wealth Gained
₹69.40 L
at 11.5% for 20yr
Adjust to your actual SIP amount and timeline
Future Value
₹93.40 L
In today's money: ₹29.12 L(6% inflation)
Total Invested
₹24 L
Wealth Gained
₹69.40 L
Investment Growth Over Time
What SIP do I need to reach a goal?
About Index Fund SIP Calculator
Index funds passively replicate a market index like Nifty 50 or Sensex by holding all constituent stocks in the same proportion. With expense ratios as low as 0.05-0.20% compared to 1-1.5% for active funds, index funds keep more of your returns working for you. Global evidence (including the S&P 500 in the US) shows that most active fund managers underperform their benchmark index over 10+ years. In India, data shows 70-85% of large cap funds underperform the Nifty 50 over 10-year periods. For a passive, low-maintenance core portfolio, Nifty 50 index funds are the default recommendation.
₹10,000/month Index Fund SIP over time
| Duration | Invested | Corpus at 11.5% |
|---|---|---|
| 5 years | ₹6.00 L | ₹8.14 L |
| 10 years | ₹12.00 L | ₹22.55 L |
| 15 years | ₹18.00 L | ₹48.11 L |
| 20 years (default) | ₹24.00 L | ₹93.40 L |
| 25 years | ₹30.00 L | ₹1.74 Cr |
Projected at 11.5% — a typical long-run assumption for this category. Actual returns vary year to year; use the calculator above to model your own SIP amount, rate, and horizon.
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Frequently Asked Questions
What is a Nifty 50 index fund?▾
A Nifty 50 index fund holds all 50 stocks in the NSE Nifty 50 index in the same proportion as the index. When Nifty 50 goes up 1%, your index fund goes up approximately 1% (minus the small expense ratio). You get automatic exposure to India's 50 largest companies.
What has been the Nifty 50 SIP return historically?▾
Nifty 50 has delivered approximately 12-14% CAGR over 20-year rolling periods and 10-12% over 10-year periods. A 10,000/month SIP in Nifty 50 for 20 years would have grown to approximately 1 crore (at 12% assumed return).
Index fund vs actively managed fund - which is better?▾
Over long periods (10+ years), data shows 70-85% of actively managed large cap funds underperform the Nifty 50 after costs. Index funds win by eliminating fund manager risk and charging much lower fees. For mid/small cap exposure, some active funds may still add value where the market is less efficient.
What is the best Nifty 50 index fund?▾
UTI Nifty 50 Index Fund, HDFC Index Nifty 50, and Nippon India Index Nifty 50 have the longest track records with very low tracking errors. Expense ratios: direct plans are 0.10-0.20%. Choose based on lowest expense ratio and lowest tracking error.
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