What is HDFC mutual fund calculator?
The HDFC Mutual Fund Calculator helps investors easily calculate the potential returns of their SIP investments. You simply need to enter details such as the SIP amount, frequency, investment tenure, and expected rate of return. The calculator will then display the final maturity amount, total investment, and estimated return for the period.
HDFC mutual fund calculator also serves as a valuable SIP planning tool, enabling you to analyse future values and adjust various inputs based on your financial goals and needs.
Benefits of HDFC mutual fund calculator
- Financial planning: The calculator helps estimate the future value of your investment based on the expected return, allowing you to adjust your financial plan according to your goals and needs.
- Time Saving: Compared to manual calculations, the HDFC Mutual Fund Calculator is simple and time-saving.
- Expected Return: You might expect a 12% return from a mutual fund, but that does not tell you the exact return in monetary terms. With the SIP calculator, you can see the amount invested to date, the expected monetary return, and the final maturity value at the end of the SIP term.
- Retirement planning: If you want to plan for retirement, then the SIP calculator can be a good tool in calculating the future value of your SIPs for your retirement. Therefore, you can make informed financial decisions based on the information.
- Change in variables: You can change inputs and analyse outcomes, for example, switching from a debt fund to a large-cap fund may increase your expected return. So, you can use the calculator to decide on the investment based on your risk and return expectations.
About HDFC Mutual Fund
HDFC Mutual Fund is one of the largest asset management companies in India. It was started as a joint venture between HDFC and Brdn Investment Management Limited (formerly known as Standard Life Investments Limited). As on March 31, 2025, HDFC AMC had ₹ 7.5 trillion of Assets Under Management (AUM).
How to use HDFC mutual fund calculator
The HDFC Mutual Fund calculator is very easy to use. Just enter these details:
- SIP Investment Amount: This is the fixed amount you want to invest at regular intervals.
- SIP Frequency: This can be daily, weekly, monthly, or quarterly
- Investment Duration: The duration, in years, for which you plan to continue your SIP.
- Expected Returns: This is the expected rate of return on your investment
After entering these details, you will receive the following results:
- Total Investment Amount: The total amount you have invested in the HDFC Mutual Fund through SIPs.
- Expected Return: The return you would have earned over the investment tenure.
- Final Maturity Amount: The final amount at maturity, which includes both your total investment and the expected returns.
The formula used in the HDFC SIP calculator
The HDFC SIP Calculator is based on the future value formula, which considers the SIP amount, expected return, frequency, and duration of investment.
Future Value = SIP Amount × (((1 + i)^N - 1) / i) × (1 + i)
Where:
- N = Total number of SIP instalments
- i = Expected return
Example of HDFC mutual fund calculator
Mr. Ram opted for a monthly SIP of ₹5,000 in an HDFC Mutual Fund and plans to continue it for 20 years. He is investing in a large-cap fund and expects an annual return of 12%.
So,
SIP Amount = ₹5,000
Frequency- Monthly
Investment duration - 20 years
Expected return - 12%
Results,
Total Investment -₹12,00,000
Estimated return - ₹33,99,290
Maturity amount - ₹45,99,290
So, if you invest ₹5000 monthly for 20 years, you would have invested ₹12,00,000 and earned a return of ₹33,99,290, resulting in a final maturity amount of ₹45,99,290.
Conclusion
The HDFC Mutual Fund Calculator is an easy financial tool for estimating the future value of your SIP investments. It can help you in comprehensive financial planning by offering a clear view of potential returns. This allows you to make informed decisions and adjust your financial plan based on changing goals, market conditions, or life events.