SIP calculator: Mutual fund investment using systematic investment plans (SIPs) has gained popularity in recent years. SIPs aid in cost averaging since one buys more NAVs when the market falls and fewer when the market rises. 

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SIP investment provides several other advantages. It fosters financial discipline in investors; it instills the habit of saving money every cycle; it can be started with as little as Rs 100; it is less subject to market fluctuations than other types of mutual fund investment; it provides compounding; and it can be discontinued at any moment.

In this article, we will discuss what a Rs 110 investment per day in an SIP can give you in 15, 20, 25 and 30 years.

Invest Rs 110/day for 15 years

If you are 25 years old, you can start saving Rs 200 daily in mutual funds through an SIP.

If you get a 12 per cent average return every year, according to the SIP calculator, your total investment in 15 years will be Rs 5,94,000 (Rs 5.9 lakh).
 
After 15 years, you may have capital gains of Rs 10,71,101 (Rs 10.7 lakh), while your total maturity amount is estimated to be Rs 16,65,101 (16.7 lakh).

Invest Rs 110/day for 20 years

You are 25 years old and investing the same amount of Rs 110 daily in a mutual fund through SIP for 20 years; your total investment in 20 years will be Rs 7,92,000 (Rs 7.9 lakh).
 
After 20 years, your estimated maturity amount will be Rs 32,97,188 (33 lakh) at an average annual return of 12 per cent. This means that your capital gains are estimated to be Rs 25,05,188 (Rs 25.1 lakh).

Invest Rs 110/day for 25 years

You are 25 years old and investing the same amount of Rs 110 daily in a mutual fund through SIP for 25 years; your total investment in 25 years will be Rs 9,90,000 (Rs 9.9 lakh).
 
After 25 years, your estimated maturity amount will be Rs 62,62,196 (62.6 lakh) at an average annual return of 12 per cent. This means that your capital gains are estimated to be Rs 52,72,196 (Rs 52.7 lakh).

Invest Rs 110/day for 30 years

If you start investing Rs 110/day at the age of 25 for another 30 years, your maturity amount may easily make you a crorepati.
 
In 30 years, your total SIP investment will be Rs 11,88,000 (Rs 11.9 lakh). At a 12 per cent rate of return, while your capital gains are estimated to be Rs 1,04,60,715 (Rs 1 crore), your maturity amount is likely to be Rs 1,16,48,715 (1.2 crore).