Nifty 50 SIP Calculator
See what a monthly Nifty 50 SIP could grow into — grounded in the index's real total-return history.
SIP inputs
Expected return (% p.a.)
an assumption you choose — not a forecast.
SIP tenure
Annual step-up
raise the monthly amount each year.
Benchmark
TRI includes dividends; Price strips the dividend yield off.
Results update live — calculations run in your browser, no signup.
₹99.91L
₹10,000/month for 20 years at an assumed 12.0% (TRI) — 4.2× what you put in
₹10,000/month is ₹1.20 L a year invested — compounding turns it into ₹99.91L at an assumed 12.0%.
A projection at the assumed 12.0% return — real markets are bumpy, so this is a planning estimate, not a guarantee.
Nifty 50 at a glance
24,013.10
52W High
24,467.30
52W Low
18,837.85
All-Time High
24,467.30
TRI CAGR (long-run)
13.2%
52-week range, all-time high & CAGR are a dated reference (as of 19 Jun 2026). Nifty 50 = top 50 companies by market cap on NSE.
SIP Projection Table
Flat ₹10,000/month at an assumed 12.0% — your 20 years row is highlighted.
| Year | Monthly | Invested | Est. Returns | Est. Value | XIRR |
|---|---|---|---|---|---|
| 5Y | ₹10,000 | ₹6.00 L | ₹2.25 L | ₹8.25 L | 12.5% |
| 10Y | ₹10,000 | ₹12.00 L | ₹11.23 L | ₹23.23 L | 12.6% |
| 15Y | ₹10,000 | ₹18.00 L | ₹32.46 L | ₹50.46 L | 12.6% |
| 20Y · you | ₹10,000 | ₹24.00 L | ₹75.91 L | ₹99.91 L | 12.6% |
| 25Y | ₹10,000 | ₹30.00 L | ₹1.60 Cr | ₹1.90 Cr | 12.6% |
XIRR for the flat plan stays near the assumed return — that is the rate compounding your monthly flows. Estimates only.
Power of Compounding
10 Years
₹23.23 L
20 Years
₹99.91 L
30 Years
₹3.53 Cr
The gap between value and invested widens with time — that widening is compounding. Estimates at 12.0%.
Your Wealth Comes From
Maturity
₹99.91L
- Invested24%
- Market growth76%
At an assumed 12.0%, market growth is 76% of the final corpus — the rest is the ₹24.00L you contributed.
What If You Started Earlier?
Start Today · 20y
₹99.91L
5 Years Earlier · 25y
₹1.90Cr
Starting 5 years sooner adds ₹89.85L (90% more) — the extra years compound the hardest.
Milestone Timeline
Estimated SIP value at each stage (flat, 12.0%).
- Year 5₹6.00 L in₹8.25 L
- Year 10₹12.00 L in₹23.23 L
- Year 15₹18.00 L in₹50.46 L
- Year 20₹24.00 L in₹99.91 L
Nifty SIP vs Fixed Deposit
Nifty SIP @ 12%
₹99.91L
FD @ 6%
₹46.44L
Same ₹10,000/month for 20 years: the SIP ends about ₹53.48L (115%) ahead — for taking on equity risk an FD avoids.
Inflation Adjusted Wealth
Nominal
₹99.91L
Real (today's ₹)
₹31.15L
At 6% inflation, the corpus buys what about ₹31.15L does today — inflation erodes ₹68.76L (69%) of buying power.
Goal Achievement Planner
- Child Education (₹50.00 L)
- in 15 yrs
- Retirement (₹2.00 Cr)
- ₹20,017/mo
At your current ₹10,000/month and 12.0%, you reach ₹50.00 L in 15 years. Reaching ₹2.00 Cr in 20 years needs about ₹20,017/month.
Market Drawdown Simulator
After a 30% fall
₹69.94L
Recovery needed
+43%
A 30% drop needs a +43% rebound to get back to ₹99.91L. The Nifty has recovered from every past crash historically — though never on a guaranteed timeline.
Sector Allocation
Sectors
Nifty 50
- Financial Services35%
- Information Technology14%
- Oil & Gas12%
- Consumer Goods10%
- Automobile8%
- Others21%
Indicative composition · as of 19 Jun 2026. Weights drift with prices and rebalancing — not live data.
Top 10 Holdings
| Company | Weight |
|---|---|
| Reliance Industries | 10.27% |
| HDFC Bank | 9.42% |
| ICICI Bank | 6.86% |
| Infosys | 5.36% |
| TCS | 4.15% |
| Bharti Airtel | 3.21% |
| Larsen & Toubro | 3.18% |
| Axis Bank | 2.76% |
| Kotak Mahindra Bank | 2.54% |
| Hindustan Unilever | 2.37% |
| Top 10 total | 50.1% |
Indicative weights · as of 19 Jun 2026. The other 40 stocks make up the rest of the index.
Risk level — Moderately High
An equity index swings hard in the short run. Best suited to a 7+ year horizon.
The Nifty 50 has historically fallen in roughly one calendar year in three, including a ~52% drop in 2008. That volatility is the price of its long-run return. Over short spans you can be down sharply; over 7+ years the odds of a positive, inflation-beating outcome have historically improved — but never to a guarantee.
Historical performance (Nifty 50 TRI)
Real trailing total-return CAGRs ending 2025, computed live from actual yearly returns.
| Trailing window | TRI CAGR (p.a.) | Period |
|---|---|---|
| 1 year | 11.8% | 2025–2025 |
| 3 years | 14.3% | 2023–2025 |
| 5 years | 14.6% | 2021–2025 |
| 10 years | 13.9% | 2016–2025 |
| 15 years | 11.5% | 2011–2025 |
| 20 years | 13.1% | 2006–2025 |
TRI = each year's price return plus an approximate 1.3% dividend yield, chained and annualised. Real Nifty 50 history (1996–2025); past performance is not indicative of future returns.
Is 12.0% realistic?
Long-run TRI CAGR
13.2%
Since 1996, from real data.
Your assumed 12.0% total-return is broadly in line with the Nifty's real long-run history — but the next decade could differ.
Nifty 50 year-by-year returns
The Nifty 50's real calendar-year price return for each of the 30 years from 1996 to 2025 — the actual ups and downs behind the long-run average.
| Year | Price return | |
|---|---|---|
| 1996 | -1.0% | |
| 1997 | +20.1% | |
| 1998 | -18.1% | |
| 1999 | +67.4% | |
| 2000 | -14.7% | |
| 2001 | -16.2% | |
| 2002 | +3.3% | |
| 2003 | +71.9% | |
| 2004 | +10.7% | |
| 2005 | +36.3% | |
| 2006 | +39.8% | |
| 2007 | +54.8% | |
| 2008 | -51.8% | |
| 2009 | +75.8% | |
| 2010 | +17.9% | |
| 2011 | -24.6% | |
| 2012 | +27.7% | |
| 2013 | +6.8% | |
| 2014 | +31.4% | |
| 2015 | -4.1% | |
| 2016 | +3.0% | |
| 2017 | +28.6% | |
| 2018 | +3.1% | |
| 2019 | +12.0% | |
| 2020 | +14.9% | |
| 2021 | +24.1% | |
| 2022 | +4.3% | |
| 2023 | +20.0% | |
| 2024 | +8.8% | |
| 2025 | +10.5% |
Real data, not a forecast. Price returns exclude dividends; the historical TRI table above adds an approximate 1.3% yield.
Start investing in mutual funds
Open a free account with ICICI Prudential AMC and start an SIP online. ICICI Prudential Mutual Fund, at no extra cost to you.
Your plan: ₹10,000/month for 20 years → about ₹99.91L.
Plan the rest of your money life
Turn this Nifty SIP into a plan — a lumpsum, a goal, or an annualised-return check.
Equity Growth
India's 50 largest companies in one holding — long-run equity has historically out-paced FDs and gold.
Low Cost Investing
Index funds and ETFs charge a small expense ratio, so more of the return stays yours.
Rupee Cost Averaging
A monthly SIP spreads your entry across years, buying more units when prices are low.
Wealth Creation
Compounding does the heavy lifting — the longer you stay invested, the steeper the curve.
Stay Disciplined
Auto-debit removes timing and emotion; you keep investing through the dips that build wealth.
This calculator projects a monthly SIP using the standard annuity-due future-value formula, with optional annual step-up. The expected return is an assumption you choose — not a forecast and not a guarantee. The historical section computes real trailing Nifty 50 total-return CAGRs live from actual calendar-year returns (1996–2025). The Current Level is fetched live; the 52-week range, all-time high, sector weights and holdings are a dated reference (as of 19 Jun 2026). A real index fund returns slightly less than the index after its expense ratio and tracking error. Returns are assumed planning estimates, not guarantees; the historical figures are real Nifty 50 TRI history, and past performance is not indicative of future returns. For education, not investment advice.
How a SIP maturity is calculated
FV = P × [ ((1 + i)ⁿ − 1) ÷ i ] × (1 + i)
- FV
- future value (maturity)
- P
- monthly investment
- i
- monthly rate = annual rate ÷ 12 ÷ 100
- n
- number of months = years × 12
Worked example
With your inputs — ₹10,000/month at an assumed 12.0% for 20 years: the monthly rate is i = 1.000% and n = 20 × 12 = 240 instalments. Each contribution compounds for the months it stays invested, summing to a maturity of about ₹99.91L — ₹24.00L invested and ₹75.91L of growth.
Most asked Nifty 50 SIP questions
A Nifty 50 SIP is a Systematic Investment Plan where you invest a fixed amount every month into a Nifty 50 index fund or ETF — a single holding that tracks India's 50 largest listed companies. This calculator projects how that monthly habit could compound over the long term at an assumed annual return.
No. 12% is an assumed long-run average, not a promise. Actual Nifty returns swing hard year to year — up 75% in 2009, down 52% in 2008 — and the next decade could look nothing like the last. A real index fund also charges a small expense ratio and has tracking error, so it returns slightly less than the index itself. Treat the projection as a planning estimate, never a quote.
Open an account with a broker or fund platform, pick a low-cost Nifty 50 index fund or ETF, and set up an auto-debit SIP for your chosen monthly amount. You cannot buy the index directly — you buy a fund that tracks it, holding all 50 stocks in the same weights.
A step-up SIP raises your monthly amount by a fixed percentage each year, usually in line with your rising income. Because the extra contributions get the most years to compound, a modest 10% annual step-up can lift the final corpus substantially versus a flat SIP — this calculator shows the difference at 0%, 5%, 10% and 15%.
A lumpsum invested upfront is more capital-efficient — it compounds the whole period, so it needs far less total cash to reach the same corpus. But few people have a large sum ready, and a lumpsum rides the full depth of every crash. A SIP spreads your entry across years (rupee-cost averaging) and is easy to sustain from monthly income, which is why most investors choose it.
The Nifty 50 Price index excludes dividends; the Total Return Index (TRI) adds them back, which is what you actually earn in a fund that reinvests dividends. So the TRI return is the honest one to plan with — it runs roughly a dividend yield above the price return. The benchmark toggle here lets you compare both.
About Nifty 50 SIP investing
What a Nifty 50 SIP is
A SIP — Systematic Investment Plan — invests a fixed amount every month into a fund. A Nifty 50 SIP routes that money into a low-cost index fund or ETF that tracks India's 50 largest NSE-listed companies, so a single, automated habit gives you broad equity exposure. You cannot buy the index itself; you buy a fund that holds the same 50 stocks in the same weights.
How this calculator works
It compounds your monthly contribution at the return you assume, using the standard SIP (annuity-due) future-value formula where each month's deposit earns that month. A step-up raises the monthly amount by a chosen percentage every year. The maturity value, returns and wealth multiplier all flow from that single calculation — change any input and every figure updates live.
Why returns are assumed, not guaranteed
The expected return is an assumption you pick, not a forecast. Real Nifty returns swing wildly — up roughly 75% in 2009, down about 52% in 2008 — and roughly one calendar year in three is negative. The historical section on this page shows the realtrailing total-return CAGRs so you can sanity-check your assumption; reassuringly, the long-run figure is broadly in line with the Nifty's actual history, but past performance is not indicative of future returns.
TRI vs Price, costs and inflation
The Price index excludes dividends; the Total Return Index (TRI) adds them back, which is closer to what you actually earn — so the TRI return runs roughly a dividend yield above the price return. A real fund also charges a small expense ratio and carries tracking error, and inflation erodes the corpus's real buying power. Treat the projection as a planning estimate, not a number you are owed, and not personalised financial advice.