How does the SIP portfolio planner work?

You add mutual fund names to your portfolio, set SIP amounts, and the planner auto-classifies each fund into its category (Large Cap, Mid Cap, Flexi Cap, ELSS, etc.), calculates blended expected returns, and projects your corpus at 5, 10, 15, and 20 years.

How is the fund category determined?

The planner uses keyword matching on the fund name to classify it into SEBI-defined categories like Large Cap, Mid Cap, Small Cap, ELSS, Debt, Hybrid, and more. The classification is best-effort — you can see and verify the category shown against the fund name.

Are the expected returns accurate?

The expected returns are category-level estimates based on historical averages (e.g. Large Cap ~13%, Mid Cap ~16%, Small Cap ~18%). Actual returns depend on the specific fund, market conditions, and your investment horizon. This is not a guarantee.

SIP (Systematic Investment Plan) lets you invest a fixed amount in a mutual fund every month. It averages out your purchase cost over time (rupee cost averaging) and benefits from the power of compounding.

Free Tool

SIP Portfolio Planner

Add your mutual funds, see category allocation, risk profile, and projected wealth — all in real time.

Start with a preset

Choose a starting point or add your own funds below.

Add a fund

Type the fund name (e.g. "Parag Parikh Flexi Cap Fund"). Category is auto-detected from the name.

Your Portfolio

Total SIP: ₹0/mo Funds: 0 Blended return: —

Fund / Category	Monthly SIP	Expected Return	Risk
No funds added yet. Type a fund name above and click Add Fund.

Category Allocation

Portfolio Risk Profile

Overall risk level

—

Low Very High

Blended return

—

expected p.a.

Monthly SIP

—

across all funds

Growth Projection

Based on per-category expected returns, assuming constant monthly SIP contributions.

Add funds to see projections.

Disclaimer: Projected values are estimates based on category-level historical return assumptions. Actual mutual fund returns are subject to market risk and may differ significantly. Fund classification is based on keyword matching and may occasionally be inaccurate — always verify the SEBI category of a fund before investing. This tool is for educational purposes only and does not constitute investment advice. Past returns are not indicative of future performance. Please read the scheme information document carefully before investing.

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