DSP SIP Calculator

Systematic Investment Plan (SIP) adoption is rising. The pandemic seemingly gave many people the impetus they needed to start investing.

SIP

One Time

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DSP Banking & Financial Services Fund - Dir (G)

DSP Multi Asset Allocation Fund - Direct (G)

DSP Nifty Bank Index Fund - Direct (G)

DSP Natural Resources & New Energy - Direct (G)

DSP Nifty 50 Equal Weight Index Fund - Dir (G)

DSP Value Fund - Direct (G)

DSP Nifty 50 Index Fund - Direct (G)

DSP Dynamic Asset Allocation Fund -Dir (G)

DSP Large Cap Fund - Direct (G)

DSP Focused Fund - Direct (G)

DSP ELSS Tax Saver Fund - Direct (G)

DSP Large & Mid Cap Fund - Direct (G)

DSP Aggressive Hybrid Fund - Direct (G)

DSP Midcap Fund - Direct (G)

DSP Nifty SDL Plus G-Sec Jun 2028 30:70 Index Fund-Dir (G)

DSP Short Term Fund - Direct (G)

DSP Regular Savings Fund - Direct (G)

DSP Nifty SDL Plus G-Sec Sep 2027 50:50 Index Fund-Dir (G)

DSP Floater Fund - Direct (G)

DSP Nifty Top 10 Equal Weight Index Fund - Dir (G)

DSP CRISIL-IBX 50:50 Gilt Plus SDL-April 2033 Index Fund-Dir (G)

DSP Low Duration Fund - Direct (G)

DSP 10Y G-Sec - Dir (G)

DSP Ultra Short Fund - Direct (G)

DSP Flexi Cap Fund - Direct (G)

DSP Banking & Psu Debt Fund - Direct (G)

DSP Quant Fund - Direct (G)

DSP Savings Fund - Direct (G)

DSP Equity Savings Fund - Direct (G)

DSP Arbitrage Fund - Direct (G)

DSP Liquidity Fund - Direct (G)

DSP Income Plus Arbitrage Omni FoF - Dir (G)

DSP Small Cap Fund - Direct (G)

DSP Overnight Fund - Direct (G)

DSP Gilt Fund - Direct (G)

DSP Multicap Fund - Direct (G)

DSP Nifty Next 50 Index Fund - Direct (G)

DSP Nifty Midcap 150 Quality 50 Index Fund - Dir (G)

DSP India T.I.G.E.R. Fund - Direct (G)

DSP Healthcare Fund - Direct (G)

DSP Nifty Smallcap250 Quality 50 Index Fund-Dir (G)

DSP Nifty Healthcare Index Fund - Direct (G)

DSP Nifty IT Index Fund - Direct (G)

DSP Nifty500 Flexicap Quality 30 Index Fund - Dir (G)

DSP Business Cycle Fund - Direct (G)

DSP BSE SENSEX Next 30 Index Fund - Direct (G)

DSP Nifty Private Bank Index Fund - Direct (G)

Investment Amount

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Minimum amount allowed is ₹500

Select Time Period

Expected Return

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The future value of investment will be

Investment Amount

Inv. Amount

Total Interest

Maturity Value

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How to Use Torus Digital's DSP SIP Calculator?

Torus Digital’s DSP Systematic Investment Plan Calculator offers a simple, interactive, and quick way to estimate the future value of your mutual fund investments . Designed with an intuitive layout and clear visuals, this tool helps you understand your investment’s potential growth over time. Follow the steps below to get started:
Step 1: Select “SIP” mode (default is already selected). If you're planning a one-time investment, switch to the "One Time" option.
Step 2: Use the Scheme Search dropdown to choose your preferred DSP mutual fund scheme, such as DSP Technology Opportunities Fund – Direct (G).
Step 3: Enter your monthly investment amount. You can start with as little as ₹500.
Step 4: Choose your investment duration by selecting from 1Y, 3Y, or 5Y options. Click on the appropriate button to set your time frame.
Step 5: Review the expected return rate, which is auto-filled based on historical data for the selected scheme. This rate can help estimate potential returns but may vary with actual market performance.

Once these inputs are entered, the calculator instantly shows:
This is visually supported by a donut chart showing the ratio of principal vs. Interest. Example: Suppose you invest ₹500 per month in the DSP Technology Opportunities Fund – Direct (G) for 5 years, with an expected return of 28.47%. Here’s what you get:

Total Investment: ₹30,000
Total Interest Earned: ₹36,519
Maturity Value: ₹66,519

This means your investment more than doubles over five years. Torus Digital’s SIP calculator is ideal for planning your financial goals in advance. Whether you are a beginner or a seasoned investor, this tool gives you clarity and confidence in your SIP journey. Looking for more SIP options beyond DSP schemes? Try our comprehensive SIP Calculator to explore returns across a broader range of mutual fund plans.

Planning your investments is the first step toward achieving financial stability and long-term wealth. The DSP SIP Calculator helps you estimate the potential returns from your Systematic Investment Plan (SIP) in DSP Mutual Fund schemes, giving you clarity before you invest.

What is DSP SIP Calculator?

The DSP SIP Calculator is an easy-to-use online tool that estimates the future value of your DSP SIP investments. Whether you're investing ₹500 or ₹3,00,000, this tool helps you visualise how your money could grow over time. Developed to support investors in their planning process, the DSP SIP investment calculator provides projections based on factors such as SIP amount, investment duration, and expected rate of return.
It takes the guesswork out of your planning process and provides a reliable estimate of your maturity value, so you can set realistic financial goals. Whether you’re planning for a child’s education, a new home, or retirement, the DSP SIP calculator is your step-by-step companion. Moreover, the DSP MF SIP calculator works seamlessly with various fund types including Large Cap , Midcap , Contra Fund , and Bluechip Fund options available under DSP Mutual Fund .

Additionally, this tool is especially useful when evaluating multiple SIP options using the DSP mutual fund calculator. It helps eliminate confusion and enables investors to compare future value projections of different DSP Mutual Fund schemes effortlessly.

What is the use of DSP SIP Calculator

The DSP SIP Calculator helps users:

Forecast the future value of investments.

Compare performance across different SIP schemes like DSP Bluechip Fund or DSP Magnum Children’s Benefit Fund.

Evaluate the effectiveness of various investment durations — from as short as 1 year to as long as 30 years.

Understand how the compounding effect benefits your savings over time.

Reduce dependency on manual calculations or complex Excel formulas.

Estimate long-term gains by entering basic details such as SIP amount, expected return, and duration.

Plan their monthly budget effectively by allocating a specific amount such as ₹5000 or ₹2000 towards a SIP plan.

Access data and insight on how past DSP Mutual Fund SIP Calculator results have performed historically.

Simplify decision-making for both first-time investors and seasoned market participants.

Use the tool alongside advice from a certified mutual fund advisor for optimal planning.

The tool is perfect for both beginners and seasoned investors, allowing them to make more informed decisions and increase their understanding of how SIPs work.

How does an DSP SIP Calculator Work?

Auto-Filled Return Rate: The calculator automatically provides an estimated rate of return based on the historical data of the DSP mutual fund scheme selected by the user. This removes the need for manual input of return rates, increasing accuracy and ease.

Backend Calculation Engine: After entering basic fields such as SIP amount and duration, the calculator’s backend algorithm applies financial formulas—particularly the future value (FV) formula with monthly compounding—to determine the potential investment outcome.

Scheme-Specific Adjustments: Based on the fund chosen, such as DSP Technology Opportunities Fund, historical data is used to pre-fill relevant return rates, providing more contextual projections that reflect past scheme performance.

Real-Time Results Generation: Once details are entered, the calculator provides a split of total investment, projected earnings, and total maturity value. It uses both graphical formats like donut charts and numerical values for user-friendly visualisation.

Scenario Comparison: Users can change variables like tenure and SIP amount (e.g., ₹500 or ₹5000) to instantly view how different combinations influence future results, aiding investment decisions.

Planning Insights: This approach not only estimates growth but also educates users on how varying SIP factors like amount, duration, and compounding work together to build wealth.

What is the DSP Bank SIP Calculator Formula?

The formula used by the DSP SIP Calculator is: FV = P × ({([1 + r] ^n) – 1} / r) × (1 + r)
Where:

FV = Future Value

P = Monthly SIP amount

r = Expected rate of return ÷ 12 (monthly rate)

n = Total number of months

Benefits of using the DSP SIP Calculator

Simplicity: No need for technical know-how or Excel.

Accessibility: Use it online anywhere, anytime.

Accuracy: Gives precise projections using a robust SIP return formula.

Visual Insights: Graphs and charts to make data easy to grasp.

Smart Decisions: Plan financial goals with confidence.

Zero Cost: Completely free and available without login.

Customisable: Works with different investment durations and SIP amounts.

Confidence: Encourages better planning and disciplined investment.

Versatile: Ideal for MF investors across diverse fund types, including Small Cap Fund, PSU Fund, and Debt Funds.

Helpful for All: Whether you’re planning Rs 24,000 annually or investing Rs 3,00,000 over a period, this calculator adapts to your strategy.

If you’re looking to invest in mutual fund schemes, simply open a demat account and take the first step towards your investment journey.

FAQ’s

How much can I invest in DSP mutual fund schemes through SIP?

You can start investing in DSP mutual fund schemes through SIPs with as little as ₹100 to ₹500 per month, depending on the scheme you have selected. There is no upper limit; investors often allocate amounts like ₹5,000 or ₹10,000 based on their financial capacity and objectives.

Are high returns assured on DSP SIP investment?

While DSP Mutual Funds have a strong track record, returns are not guaranteed as they depend on market conditions. Staying invested for long periods, such as 10 to 15 years, helps you compound your investment, which in turn increase the chances of higher gains. However, mutual fund investments are subject to market risks, and past performance is not necessarily indicative of future results. Always read the scheme-related documents carefully before investing.

How much is the minimum tenure of DSP SIP?

The minimum tenure for most DSP SIP schemes is 6 months to 1 year. However, to truly benefit from compounding, durations like 5, 10, or even 20 years are recommended.

What is the rate of return on DSP SIPs?

Returns vary based on the scheme chosen. Over the past decade, many DSP Mutual Fund SIP schemes have offered annual returns ranging between 10% and 14% depending on fund type and market trends.

How much can I invest in a SIP?

You can invest any amount in SIPs depending on your financial goals. Even starting with ₹100 or ₹500 monthly can yield meaningful returns over time.

Is SIP better than lump sum investment?

SIPs offer better rupee-cost averaging and risk control compared to lump sum investments, especially during volatile market conditions.

Is DSP SIP safe?

DSP SIPs are regulated by SEBI and managed by experienced professionals. While returns aren’t fixed, they are relatively safe when you invest based on your risk appetite. That said, mutual fund investments are subject to market risks, and the past performance of a scheme may not necessarily indicate future results. Please read all scheme-related documents carefully before investing.