Investment Calculators
ICICI SIP Calculator
ICICI Prudential Asset Management Company Ltd is a joint venture between ICICI Bank, one of India's largest private banks, and Prudential plc, a leading global financial services company. The AMC offers a broad range of mutual fund schemes — equity, balanced advantage, debt, liquid and thematic — making it one of the most widely accessed fund houses in India. A SIP with ICICI Prudential lets you invest a disciplined, fixed amount every month in your chosen scheme and let compounding do the heavy lifting over time. Use this ICICI SIP calculator to estimate your projected maturity value — enter your monthly investment, an expected return and the investment horizon to see how your SIP can grow.
- Invested Amount
- ₹12,00,000
- Est. Returns
- ₹11,23,391
Total Value
₹23,23,391
- Invested Amount52%
- Est. Returns48%
Formula
FV = P × [((1 + i)ⁿ − 1) ÷ i] × (1 + i)
- P
- Monthly SIP investment amount.
- i
- Monthly rate of return = annual return ÷ 12 ÷ 100.
- n
- Total number of monthly instalments (years × 12).
The formula treats each instalment as invested at the month's start (annuity-due convention). The expected return is an illustration — ICICI Prudential scheme returns depend on market performance and will deviate from any projection, particularly over shorter periods.
Worked example
Suppose you start a SIP of ₹10,000 per month in an ICICI Prudential equity scheme, targeting a 12% annual return, and stay invested for 10 years.
- Monthly Investment (P)
- ₹10,000
- Expected Return (p.a.)
- 12%
- Time Period
- 10 years (120 months)
Your cumulative investment over 120 months is ₹12,00,000. At an assumed 12% annual return, the projected maturity value is about ₹23,23,391 — with roughly ₹11,23,391 coming from estimated returns. The chart shows how this mix shifts over time as compounding amplifies the growth component.
Year-by-year growth
Based on the default ICICI SIP Calculator values above. The final year matches the future value shown by the calculator — change the inputs to project your own plan.
- Total invested
- ₹12,00,000
- Est. returns
- ₹11,23,391
- Future value
- ₹23,23,391
- Value / invested
- 1.94×
Over 10 years, your ₹12,00,000 grows to about ₹23,23,391 — roughly 1.94× what you put in, thanks to compounding.
| Year | Invested | Est. returns | Value |
|---|---|---|---|
| 1 | ₹1,20,000 | ₹8,093 | ₹1.28 Lakh |
| 2 | ₹2,40,000 | ₹32,432 | ₹2.72 Lakh |
| 3 | ₹3,60,000 | ₹75,076 | ₹4.35 Lakh |
| 4 | ₹4,80,000 | ₹1,38,348 | ₹6.18 Lakh |
| 5 | ₹6,00,000 | ₹2,24,864 | ₹8.25 Lakh |
| 6 | ₹7,20,000 | ₹3,37,570 | ₹10.58 Lakh |
| 7 | ₹8,40,000 | ₹4,79,790 | ₹13.20 Lakh |
| 8 | ₹9,60,000 | ₹6,55,266 | ₹16.15 Lakh |
| 9 | ₹10,80,000 | ₹8,68,215 | ₹19.48 Lakh |
| 10 | ₹12,00,000 | ₹11,23,391 | ₹23.23 Lakh |
How this ICICI SIP calculator works
Adjust the monthly investment, expected return and time period to see your projected maturity value and invested-versus-returns split update instantly. The expected return starts at 12% — lower it to model a cautious scenario, or raise it slightly to explore a higher-growth outcome.
ICICI Prudential’s balanced advantage edge
One hallmark of ICICI Prudential’s range is the Balanced Advantage Fund, which dynamically shifts its equity and debt exposure based on market valuations. Running a SIP in such a fund can smooth out the experience for investors who find pure equity volatility uncomfortable — the fund’s automatic rebalancing reduces equity when valuations are expensive and increases it when markets are cheaper. While this does not guarantee returns, it historically has reduced the worst drawdowns compared with pure equity funds.
Tips for ICICI SIP investors
- Define a goal first — a 5-year child-education goal and a 20-year retirement goal need different fund categories.
- Run a separate SIP for each goal so you can track progress and switch funds independently as timelines change.
- Use the Growth option rather than IDCW unless you have a specific income need — it lets compounding run uninterrupted.
- Avoid frequent switching between schemes; every switch resets your cost basis and may trigger capital gains tax.
- Consider a flexi-cap or multi-cap fund if you want broad market exposure across large, mid and small-cap companies without choosing actively.
faq
Frequently asked questions.
What is ICICI Prudential Mutual Fund?
ICICI Prudential AMC is a joint venture between ICICI Bank and Prudential plc. It is one of India's largest and longest-established AMCs, offering diverse schemes across equity, hybrid, debt, liquid and international categories. Its Balanced Advantage Fund is one of the most popular funds in the dynamic asset allocation space.
How does rupee-cost averaging work in an ICICI Prudential SIP?
When you invest a fixed amount monthly, you buy more units when the NAV is low (market down) and fewer units when it is high (market up). Over time, this brings down your average cost per unit compared with a one-time lump sum invested at a single price. This benefit, called rupee-cost averaging, is automatic and built into every SIP.
Can I invest in international funds via an ICICI Prudential SIP?
Yes. ICICI Prudential offers international funds that invest in global equities, including US and global indices. These can be held via SIP, though SEBI and regulatory limits on overseas investments may affect availability from time to time. Check the fund house website for the current status of international fund SIPs.
How do I track my ICICI Prudential SIP investments?
You can view your portfolio on the ICICI Prudential Mutual Fund website, iMobile Pay, or through CAMS/KFintech online portals. You will also receive account statements by email and can access consolidated account statements (CAS) via CAMS or Karvy for a full view across all fund houses.
What is the difference between a growth and dividend (IDCW) SIP?
Under the growth option, all returns are reinvested and compound within the scheme, so your NAV grows over time. Under IDCW (Income Distribution cum Capital Withdrawal), the fund may distribute income periodically, reducing the NAV accordingly. For long-term wealth creation, the growth option typically benefits more from compounding.