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Calculate SIP as per needs ...

Calculate SIP as per needs ...
View SIP Table
View SIP Table
SIP Need Calculator ...
SIP Need Calculator ...
Delay Cost in starting SIP later ...
Delay Cost in starting SIP later ...
Calculate using simple tools
Calculate using simple tools

Disclamer

Mutual Fund Investments are subject to market risk. Please read the offer document carefully before investing.

This dynamic calculator is produced through series a of mathematical formulas. Utmost care is taken in creating the formulas. Certain assumptions are ma
Calculator. The output so generated only helps the investors in making investment decisions. It may not or may not be suited to your needs or according to
assumptions. NJ IndiaInvest Pvt Ltd nor any of it employees or Partners are not responsible for any losses arising by the usage of these plan, or for any in
its basis.

The Calculator is developed by the Research Department of NJ IndiaInvest Pvt. Ltd.

All rights are reserved. No unathorised, copying, editing, distributions, rebranding, etc is permissible of this tool. Any copyrights infringement w
damages, claims, etc towards NJ IndiaInvest Pvt. Ltd., the sole owner/user of this tool. NJ Fundz Network is a part of NJ IndiaInvest Pvt. Ltd.

SIP as per needs ...

e SIP as per needs ...

ew SIP Table
View SIP Table

ed Calculator ...
Need Calculator ...

n starting SIP later ...

t in starting SIP later ...

using simple tools

e using simple tools

document carefully before investing.

ng the formulas. Certain assumptions are made in making the

y not be suited to your needs or according to your own
sing by the usage of these plan, or for any investments taken on

of this tool. Any copyrights infringement will give rise to

ork is a part of NJ IndiaInvest Pvt. Ltd.

SYSTEMATIC INVESTMENT PLAN

Returns Calculator
5,000 /-

Monthly Investment Amount Rs.

Investment Period In Years

15

Returns Expected (% Annualised)

20.00%

End Value of your Investments

4,777,300

Rs.
Amount actually paid

Rs.

Times amount gets rolled-over

900,000
5.31

Assuming Investments are made at the biginning of each month

Compounding is done on an annualised basis

DISCLOSURE
Mutual Fund Investments are subject to market risk. Please read the offer document carefully before investing.
The mutual fund investments are dependent upon market performance. The NAV of the scheme may go up or down
depending on the performance of the markets.

SIP Table

3,000

Enter SIP Amount Monthly payments beginning at the start of the month

Expected End Value of your Investment For A Monthly Investment of Rs.15000/Exp.

Returns

Number of Years of Investments

5

10

15

20

25

30

10%

231,515

604,373

1,204,864

2,171,960

3,729,479

6,237,878

12%

243,311

672,108

1,427,794

2,759,572

5,106,620

9,242,920

15%

262,026

789,055

1,849,097

3,981,220

8,269,682

16,895,311

20%

296,112

1,032,933

2,866,380

7,428,582

18,780,801

47,028,755

DISCLAIMER
Mutual Fund Investments are subject to Market Risks. Please read the offer document carefully before investing in any mutual fund
scheme.

Realise

Your

Financial

Dreams !!

SIP NEED CALCULATOR !!

Get What U Want !!
Through SIP in Mutual Fund Equity Schemes
I want Rupees

270,000,000
In

35

Years

When it is a Growing SIP, this v

Your Expectations of Returns,

20.00%

p.a.

6,904

You will need to do an SIP of

Rs. per month

###
###

You can also do an SIP in a Mutual Fund Scheme as per the following details

Monthly Amount For SIP Needed

Expected Returns

8.00%

10.00%

12.00%

15.00%

17.50%

20.00%

(1+r)^t

125,211

78,812

48,994

23,653

12,795

6,904

###

Amount of Monthly SIP needed to achieve your goal in given years

###
###
###
###

How to Become a CrorePati ??

###

Monthly Amount For SIP Needed (non-growing)

###

Number of Years of SIP

Exp. Returns
5

10

15

20

25

30

10%

129,581

49,638

24,899

13,812

8,044

4,809

12%

123,299

44,636

21,011

10,871

5,875

3,246

15%

114,492

38,020

16,224

7,535

3,628

1,776

20%

101,313

29,044

10,466

4,038

1,597

638

HOME

SIP + Delay cost calculator

At a particular given fixed point of time in future eg. Say at your age 55 years

Step 1

Monthly Investment

1,500

Step 2

Investment Horizon in years

15

Step 3

Expectate rate of returns p.a.

20.00%

Step 4

Delay in starting SIP from today

12

Enter in Months

Your End Investment Value, if you had started MF SIP today

Your End Investment Value, if you delay you delay your investments

The cost of delay is

255,445

If you delay your investment by 12 month/s, you stand to loose Rs. 255445/in the end value of your investment

Another Perspective
If you do delay your investment, then
You would loose Rs.

106,588

Disclamer

This dynamic calculator is produced through series a of mathematical formulas. Utmost care is taken in creating the formulas. Certain assum
Calculator. The plan so generated only helps the investors in making investment decisions. It may not or may not be suited to your needs or
assumptions. NJ IndiaInvest Pvt Ltd nor any of it employees or Partners are not responsible for any losses arising by the usage of these plan
on its basis.

The Calculator is developed by the Research Department of NJ IndiaInvest Pvt. Ltd.

All rights are reserved. No unathorised, copying, editing, distributions, rebranding, etc is permissible of this tool. Any copyrights in
damages, claims, etc towards NJ IndiaInvest Pvt. Ltd., the sole owner/user of this tool. NJ Fundz Network is a part of NJ IndiaInves

calculator

ture eg. Say at your age 55 years

End Value (payment at beginning of the month)

1,433,190

our investments
1,177,745

u stand to loose Rs. 255445/-

in todays worth of money !!

Notes

er

are is taken in creating the formulas. Certain assumptions are made in making the
s. It may not or may not be suited to your needs or according to your own
le for any losses arising by the usage of these plan, or for any investments taken

etc is permissible of this tool. Any copyrights infringement will give rise to
ool. NJ Fundz Network is a part of NJ IndiaInvest Pvt. Ltd.

HOME

Tools
Links
Present Value of a Single Amt
Present Value of an Annuity
Present Value of Irregular Cash Flows
Systematic Investment Plan - PV & FV
Future Value (Growing)
Future Value (Decreasing)
Weighted Average Exp Returns
Notes
Present Value Single Amt
Future Value Rs.
After years
Dicounting Rate - Ann
Present value Rs.

500,000
5.00
6.00%
373,629

Present Value of an Annuity

Annuity Amount

40

Frequency in a year

12

Annuity runs for years -

3.00

Annuity Starts after years -

2.00

Discounting Rate - Ann

6.00%

Total Amount Accrued

1,440

Present Value Rs.

1,173

Present Value Irregular Cash Flows

After Year

Amt.

80,000

100,000

3
4
5
6
7
8
9

10

250,000

11
12
13
14
15

HOME

500,000

Discounting Rate - Ann

6.00%

Total Amount received

930,000

Present Value Rs.

512,703

Systematic Investment Plan (SIP)

Monthly Investment Rs.

4,000

For years

1.00

Returns Expectation - Ann

15.00%

End Value in Future

51,817

Discounting Rate - Ann

6.00%

Present value

48,884

Future Value Calculator (growing)

Present Value Rs.

51,817

After years

29.00

Compounding Rate - Ann

Future value Rs.

15.00%
2,983,387

Future Value Calculator (decreasing)

Present Value Rs.
After years

10,000
3.00

Discounting Rate - Ann

6.00%

Future value Rs.

8,396
Weighted Average Returns

Asset Class

Amt. Invested

Exp Returns

100,000

10.00%

100,000

15.00%

C
D
E

F
Total Amt Invested

200,000

Weighted Average Exp Returns

12.50%

HOME

You can use the above tools to input values in your financial plan.
The Advisor can use the above tool to assess the following:
#

Find out the Present Cost of an known 'X' amount in future

Find out the Present Value of the 'Cash Flow Stream' which accrues in Future
Fixed amount of any frequency occuring for any duration
Duration of running cash flows may start at any time in future, or now!
Variable amounts expected over the next 15 years
Of an existing Systematic Investment Plan with an AMC

Find out the future value of a present

Fixed asset or cash which decreases in value as time goes on
Fixed asset or cash which appreciates in value with time
Running Systemative Investment Plan with an AMC

Find out the weighted average expected returns on your existing investments in different asset cl

Answers questions like

What is the today's equivalent

of Rs. 5 lacs that I will receive
after 5 years?

What is the today's worth of a

series of monthly payments of
Rs.1,000 that I will receive for 3
years? The 3 years of payment will
though start after 2 years.

What is the today's worth of certain

cash receivables in future when
both the amount receivable and the
time is not certain?

Help

Discounting Rate
should ideally be
equal to the Inflation
Rate of 6.00%

Annuity is simply
a series of cash
flows of a fixed
amount Eg: Insurance
premium to LIC is a
kind of
Annuity

What is the today's worth of certain

cash receivables in future when
both the amount receivable and the
time is not certain?

What will be the present and

the future worth of my existing
SIP of Rs. 10,000 to be
continued for next 5 yrs, returns
expected at 12%?

How much will Rs. 10,000

today will grow to after 5 years,
if grows by 6% annually?

What will be the worth of Rs.

10,000/- after 3 years?

Compounding Rate
can be taken as the
Rate of Return that
you expect the asset
to earn during the
period

Measures the decrease

in value of an asset due to depreciation,
inflation, etc.

How much returns should I

expect over all the different
investments that I hold, on
an averaged basis?

values in your financial plan.

eam' which accrues in Future

any duration

any time in future, or now!

with an AMC

ue as time goes on

lue with time

on your existing investments in different asset classes

HOME

DELAY COST
Why this huge difference ??
The first installment is the one that stays in the term for the longest. Hence it is the
one that has the highest appreciation!!
A better way of looking at is - you are not delaying the SIP (since the SIP matures the same
day) but instead you are just eliminating the first installment that gives you the most returns!!!!
The difference is in the end value of client's investment

The assumptions
Payment is made at the beginning of the period
The rate of return is compounded monthly
The rate of returns stays constant for the term of the SIP
The delay for 10 days is calculated by dividing that for 1 month by 3
The delay for 10 days is not exact but convenient to calculate this way, and easy to explain
The difference though is not very huge and can be ignored for convenience