SBI SIP Calculator

What is a SBI SIP Calculator?

The SBI SIP Calculator is a useful tool that helps investors estimate the potential growth of their monthly investments in SBI Mutual Funds. By entering the investment amount, tenure, and expected SBI SIP interest rate, it provides an estimate of the corpus you could accumulate over time with SBI SIP plans.

State Bank of India offers a range of SBI SIP Mutual Funds, including equity, debt, and hybrid funds. This investment calculator enables investors to plan their financial future with greater accuracy and make well-informed investment decisions.

Why Should You Use the SBI SIP Return Calculator?

The SBI SIP Calculator helps you with the following key aspects of your investments, which makes it your best choice: 

• Accurate Return Estimates: The SBI SIP Return Calculator provides precise projections of returns based on your SIP investment in SBI mutual funds.

• Customizable Inputs: You can easily adjust inputs like the investment amount, tenure, and expected SIP interest Rate SBI, making it suitable for your individual goals.

• Time-Saving: It saves time by quickly calculating potential returns, eliminating the need for complex manual calculations.

• Easy to Use: The interface is simple and user-friendly, so even beginners can use it without any difficulty.

• Effective Financial Planning: This tool helps you plan your finances better by showing the expected corpus value from your SBI Investment Plans at the end of your SIP tenure.

• No Hidden Costs: It is completely free to use, with no hidden charges, making it an accessible tool for everyone.

How To Calculate Returns Using SBI SIP Calculator?

The SBI SIP investment calculator uses four variables to calculate the expected returns at the end of the investment period.

The manual calculation for SBI SIP returns using the formula can be challenging and complicated. To save time and get accurate results, it is advisable to use the SIP Calculator for SBI Investment Plans and efficiently manage your tasks within time.

How To Use Policybazaar - SIP Calculator SBI?

The online SBI SIP calculator is easy to use. All you need to do is enter the following details to get the final results:

• Step 1- Choose Payment Mode: Select your preferred investment method—monthly, yearly, or lump sum payment.

• Step 2- Enter Investment Amount: Input the amount you plan to invest regularly or as a one-time lump sum. You can refer to the pro tip for guidance on an ideal amount based on your goals.

• Step 3- Set Investment Duration: Choose the period over which you wish to invest in SBI SIP Mutual Funds.

• Step 4- Estimate Expected Returns: Enter an expected rate of return to see a rough estimate of your future gains.

• Step 5- View Results: The calculator will instantly show the total investment, returns, and final accumulated wealth based on your input.

Overview of the SBI SIP Plan

SBI SIP Plans are a way to invest in SBI mutual funds by contributing a fixed amount regularly, usually monthly or quarterly. Instead of making a large lump sum investment, you invest small amounts over time, which helps reduce the risk of market fluctuations. It is a disciplined way to invest and grow your money steadily. With the best SIP Plans offered by the State Bank of India (SBI), you can choose from various mutual fund options based on your financial goals, risk tolerance, and time horizon.

List of SBI SIP Mutual Fund Plans

*RSI: Returns Since Inception
**Returns updated as of March 2025.

Details of Top SBI SIP Investment Plans in SBI Mutual Funds

1. SBI PSU Direct Plan

   The SBI PSU Direct Fund invests in public sector companies to generate long-term capital growth. It is suitable for investors who want to benefit from government-backed enterprises and sectors.

   Features of SBI PSU Direct Plan Fund:

   • Investment Objective: Invests in Public Sector Undertakings (PSUs) to generate long-term capital growth. Focuses on equity and equity-related instruments of PSUs.

   • Launch Date: 29 June 1987

   • Benchmark: BSE PSU Index

   • NAV (as of 10 March 2025): ₹30.64

   • Fund Manager(s): Rohit Shimpi

2. SBI Healthcare Opportunities Fund

   The SBI Healthcare Opportunities Fund focuses on investing in the healthcare and pharmaceutical sectors. It is ideal for investors who have a high-risk appetite and want to benefit from the growth in global healthcare trends.

   Features of SBI Healthcare Opportunities Fund:

   • Investment Objective: Aim to provide long-term capital growth by investing in healthcare and pharmaceutical companies.

   • Launch Date: 29 June 1987

   • Benchmark: BSE Healthcare Index

   • NAV (as of 10 March 2025): ₹453.20

   • Fund Manager(s): Tanmaya Desai and Pradeep Kesavan

3. SBI Long Term Equity Fund

   The SBI Long Term Equity Fund is an ELSS (Equity Linked Savings Scheme) that offers tax benefits under Section 80C. It invests in equities for long-term wealth creation and comes with a mandatory lock-in period of 3 years.

   Features of SBI Long Term Equity Fund:

   • Investment Objective: Offers tax-saving benefits under Section 80C while generating long-term wealth through diversified equity investments.

   • Launch Date: 29 June 1987

   • Benchmark Index: BSE 500 Index

   • NAV (as of 10 March 2025): ₹427.49

   • Fund Manager(s): Dinesh Balachandran

4. SBI Credit Risk Fund

   The SBI Credit Risk Fund is a debt fund that primarily invests in lower-rated but high-yield bonds to generate good returns. It is a good option for investors who are seeking higher income with moderate risk.

   Features of SBI Credit Risk Fund:

   • Investment Objective: Seeks to generate regular income and capital appreciation by investing in high-yield corporate bonds and credit-risk securities.

   • Launch Date: 29 June 1987

   • Benchmark Index: NIFTY Credit Risk Bond Index B-II

   • NAV (as of 10 March 2025): ₹47.61

   • Fund Manager(s): Lokesh Mallya, Pradeep Kesavan, and Adesh Sharma

5. SBI Dynamic Bond Fund

   The SBI Dynamic Bond Fund actively manages investments across different durations depending on interest rate changes. It is ideal for investors seeking flexible and stable returns from debt instruments.

   Features of SBI Dynamic Bond Fund:

   • Investment Objective: Offers flexibility to adjust investments across durations, focusing on maximizing returns from changing interest rate scenarios.

   • Launch Date: 29 June 1987

   • Benchmark Index: CRISIL Dynamic Bond A-III Index

   • NAV (as of 10 March 2025): ₹37.73

   • Fund Manager(s): Rajeev Radhakrishnan, Tejas Soman, and Pradeep Kesavan

6. SBI Magnum Gilt Fund

   The SBI Magnum Gilt Fund invests in government securities, ensuring high safety and stable returns. It is a suitable choice for conservative investors who want long-term capital preservation.

   Features of SBI Magnum Gilt Fund:

   • Investment Objective: Targets steady returns by investing primarily in government securities with minimal credit risk.

   • Launch Date: 29 June 1987

   • Benchmark Index: NIFTY All Duration G-Sec Index

   • NAV (as of 10 March 2025): ₹67.74

   • Fund Manager(s): Rajeev Radhakrishnan and Tejas Soman

7. SBI Multi Asset Allocation Fund

   The SBI Multi Asset Allocation Fund diversifies investments across equity, debt, and gold to balance risk and returns. It is ideal for investors who are looking for exposure to multiple asset classes in one portfolio.

   Features of SBI Multi Asset Allocation Fund:

   • Investment Objective: Aim to provide diversified growth by investing in multiple asset classes, including equity, debt, and gold.

   • Launch Date: 29 June 1987

   • Benchmark Index: Groww Equity Hybrid

   • NAV (as of 10 March 2025): ₹59.94

   • Fund Manager(s): Dinesh Balachandra, Mansi Sajeja, Pradeep Kesavan, and Vandna Soni

8. SBI Balanced Advantage Fund

   The sbi fund dynamically manages its allocation between equity and debt based on market conditions. It is a good choice for investors seeking stable returns with lower market volatility.

   Features of SBI Balanced Advantage Fund:

   • Investment Objective: Dynamically allocates assets between equity and debt to balance risk and reward, suitable for various market conditions.

   • Launch Date: 29 June 1987

   • Benchmark Index: NIFTY 50 Hybrid Composite Debt 50:50 Index

   • NAV (as of 10 March 2025): ₹14.85

   • Fund Manager(s): Anup Upadhyay

9. SBI Retirement Benefit Fund Aggressive Hybrid Plan

   The SBI Retirement Benefit Fund Aggressive Hybrid Plan focuses on retirement planning and invests in a mix of equity and debt for long-term growth. It is suitable for aggressive investors who are preparing for a secure retirement.

   Features of SBI Retirement Benefit Fund Aggressive Hybrid Plan Fund:

   • Investment Objective: Designed for retirement planning, investing in a mix of equity and debt to build long-term wealth.

   • Launch Date: 29 June 1987

   • Benchmark Index: CRISIL Hybrid 35+65 Aggressive Index

   • NAV (as of 10 March 2025): ₹17.88

   • Fund Manager(s): Ardhendu Bhattacharya, Rohit Shimpi, and Pradeep Kesavan

10. SBI Gold Direct Plan

    The SBI Gold Direct Plan invests in gold ETFs, providing an easy way to gain exposure to gold prices. It is an ideal option for investors looking to hedge against inflation or diversify their investment portfolio

    Features of SBI Gold Direct Fund:

    • Investment Objective: Provides returns linked to gold prices by investing in gold exchange-traded funds (ETFs), ideal for inflation protection.

    • Launch Date: 29 June 1987

    • Benchmark Index: Domestic Price of Gold

    • NAV (as of 10 March 2025): ₹26.67

    • Fund Manager(s): Raviprakash Sharma and Pradeep Kesavan

What are the Advantages of Using the Policybazaar SBI SIP Calculator?

The SBI SIP calculator offered by Policybazaar streamlines financial planning for investors in India with the following key advantages:

• Accurate Planning for SBI SIP Goals: The Policybazaar SBI SIP Calculator helps you calculate the monthly investment required to achieve your financial goals with SBI SIP plans, ensuring you stay on track with your targets.

• Comparison of SBI Mutual Funds: The results of the Policybazaar SIP calculator let you easily view and compare different SBI SIP plans, such as SBI Contra Fund or SBI Long Term Equity Fund, helping you select the best one according to your investment strategy.

• Informed Decision Making: The calculator provides precise return estimates for your SBI SIP investments, enabling you to make well-informed choices about which SBI mutual funds to invest in.

• Flexibility and Accessibility: Available online, the Policybazaar SBI SIP Calculator lets you plan your SIP investments in SBI mutual funds anytime, anywhere, helping you to manage your financial portfolio easily.

• Maximizing Returns with Compounding: The compound interest calculator shows how compounding works over time with long-term SBI SIP investments, helping you understand how your wealth can grow more with each passing year.

In Conclusion

The SBI SIP Calculator is a valuable tool for planning and tracking your investments in SBI Mutual Funds. It helps estimate the potential returns on your SIP, making it easier to understand how your monthly contributions can grow over time. With this calculator, you can fine-tune your investment strategy, ensuring your financial goals are met with precision.