How Much Will You Earn from Your LIC SIP?

An LIC SIP (Systematic Investment Plan) is a simple and innovative way to invest a fixed amount regularly, usually every month, into LIC Mutual Fund schemes. It's perfect for anyone who wants to grow their wealth without stressing about timing the market.

Here's why SIPs are a great choice:

• Rupee Cost Averaging: They average out your investment cost over time, thanks to rupee cost averaging.
• Disciplined Saving: They build disciplined saving habits, helping you stay consistent with your goals.
• Power of Compounding: They tap into the power of compounding, which can significantly grow your money over the long run.

LIC Mutual Fund offers a variety of SIP-friendly options, including equity, hybrid, and debt funds, so there's something for every type of investor.

To give you an idea: some of LIC's top-performing equity funds have delivered 22% to 35% CAGR over the last 5 years (as of 2025). Of course, past returns don't guarantee future performance. Your actual gains will depend on how much you invest, for how long, and how well your chosen fund performs.

Forecasting Your Returns: The Formula

The future value of an SIP can be estimated using:

FV = P × [ ((1 + i)ⁿ – 1) / i ] × (1 + i)

• P = monthly SIP amount
• i = monthly return rate (annual rate ÷ 12)
• n = total number of installments

JezzMoney's LIC SIP Calculator automates this in seconds: just enter your SIP amount, tenure, and expected return, and get instant projections. It's one of over 50 financial calculators designed to make planning seamless.

JezzMoney makes financial planning simple, innovative, and stress-free. Whether you're just getting started or fine-tuning your investment strategy, their calculators help you plan with confidence.

Here's what you can explore:

• LIC SIP Calculator: See how your regular investments can grow over time.
• Step-Up SIP Calculator: Plan for bigger returns by increasing your SIP amount gradually.
• Mutual Fund Returns Calculator: Compare potential returns across different LIC mutual fund schemes.
• CNB (Combo of LIC + Insurance): Ideal if you're exploring hybrid products like ULIPs with insurance benefits.

And that's just the start. With over 50 calculators covering everything from education and retirement planning to goal tracking, JezzMoney gives you all the tools you need in one place. It's like having a financial planner in your pocket, available 24/7.

It’s important to remember that SIP returns are estimates, not guarantees. While SIPs help smooth out market ups and downs through rupee-cost averaging, actual returns can vary. Several key factors influence your investment performance:

Key Factors That Impact SIP Returns

• Market Movements: Economic cycles and stock market volatility directly impact fund performance.
• Fund Strategy: Whether you invest in equity, debt, or hybrid mutual funds determines the risk-reward balance.
• Expense Ratio: LIC Mutual Funds typically charge between 1% and 2.5% annually, which slightly reduces net returns.

Real Example: LIC’s Small Cap Fund delivered a 32% total return over 5 years, translating to a ~14.8% CAGR. Meanwhile, certain infrastructure-focused funds achieved 35% growth on a ₹10,000 monthly SIP over the same period.

Step-by-Step: How to Use the LIC SIP Calculator

Visit: JezzMoney's LIC SIP Calculator

1. Enter your SIP details:
   • Monthly investment amount
   • Tenure (e.g., 10 years)
   • Expected annual return (start with 8–12%)
2. Review your results:
   • Estimated future corpus
   • Total contribution made
   • Projected investment growth
3. Experiment with variables: Adjust the tenure, return rate, or SIP amount to see how your goal achievement changes.

Tip: Use the Step-Up SIP Calculator if you plan to gradually increase your SIP amount over time for enhanced compounding benefits.

Align Your SIP Plan With Your Financial Goals

Here’s a quick guide to match your goals with SIP strategies:

• Retirement Planning: Conservative equity funds with expected returns around 8–10%, investment horizon of 15+ years.
• Child’s Education/Marriage: Balanced or hybrid funds aiming for 10–12% returns, investment horizon 8–15 years.
• Wealth Creation: Aggressive equity funds targeting 12%+, investment horizon 5–10 years.

Use Calculators for Specific Goals: Try tools like Education Planning, Vacation Planning, or House Planning Calculators to align SIPs with life milestones.

Monitor & Adjust With JezzMoney

• Brokerage & NAV Tracking: Monitor performance and make informed exit decisions.
• Smart Alerts: Get reminders for SIP maturity, renewals, or policy updates.
• Portfolio Overlap Check: Avoid excessive exposure to the same sectors or funds.

JezzMoney brings investment tracking to your pocket, helping you adjust and make data-driven decisions in real time.

Start today, stay consistent, and let your SIPs work toward your future goals!
Want to see how your ₹10,000 SIP might grow?
Use this LIC Mutual Fund SIP calculator – ₹20,371 crore was invested in May 2025 alone, showing the trust investors place in mutual funds.