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WealthMetric

Index Fund SIP Calculator

See how a SIP in Nifty 50, Sensex, or any major sectoral index would have performed, using real historical weekly index data since 1999.

Broad Market Indices
Nifty 50
since Jan 1999
Sensex
since Jan 1999
Nifty Next 50
since Oct 2000
Nifty 100
since Nov 2006
Nifty 200
since Oct 2011
Nifty 500
since Nov 2006
Sectoral Indices
Nifty Bank
since Nov 2006
Nifty IT
since Jan 1999
Lumpsum (optional)
₹
SIP Amount
₹
Weekly
Monthly
Quarterly
= ₹10.0K
💡 Weekly: every Mon  ·  Monthly: first Mon  ·  Quarterly: first Mon of Jan/Apr/Jul/Oct
Step-Up
%
Monthly
Quarterly
Half Yearly
Annually
0 = no step-up · greyed pills activate when % > 0
Start Date
5Y
10Y
15Y
20Y
25Y
All
End Date
Period Selected
10 yrs
2016-08 → 2026-08
💡 Nifty 50 data available: Jan 1999 – Aug 2026
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Nifty 50 · Monthly SIP · 121 investments
₹20.61L
Invested ₹12.10L · Gained ₹8.51L
SIP XIRR
10.21%
annualised
Nifty CAGR (P2P)
10.71%
8,637 → 24,080
Period
2016 – 2026
10 years
Total Invested
₹12.10L
Current Value
₹20.61L
Total Gain
₹8.51L
Nifty CAGR (P2P)
10.71%
8,637 → 24,080
SIP XIRR
10.21%
annualised return
Nifty 50 SIP Growth — 2016-08 to 2026-08
121 months · 121 investments
2016-082017-082018-082019-082020-082021-082022-082023-082024-082025-082026-08₹0₹5.50L₹11.00L₹16.50L₹22.00L
  • Total Invested
  • SIP Portfolio
Year-by-Year Summary
YearIndex LevelUnits HeldCorpusInvestedGain
2017-079,61512₹1.30L₹1.20L₹10.1K
2018-0710,65724₹2.68L₹2.40L₹28.0K
2019-0711,86636₹4.25L₹3.60L₹64.9K
2020-0710,76448₹5.06L₹4.80L₹25.6K
2021-0715,83460₹8.86L₹6.00L₹2.86L
2022-0715,83572₹9.98L₹7.20L₹2.78L
2023-0719,32384₹13.47L₹8.40L₹5.07L
2024-0724,14296₹18.19L₹9.60L₹8.59L
2025-0725,461108₹20.46L₹10.80L₹9.66L
2026-0724,430120₹20.81L₹12.00L₹8.81L
2026-0824,774121₹21.21L₹12.10L₹9.11L
Frequently Asked Questions
What is an index fund SIP?
An index fund SIP is a systematic investment plan into a passively managed mutual fund or ETF that tracks a market index like the Nifty 50 or Sensex, aiming to match the index's returns at low cost.
How accurate is this index SIP calculator?
This calculator uses historical index price data to simulate how a SIP would actually have performed over the selected period, rather than assuming a flat annual return.
Are index funds better than actively managed mutual funds?
Index funds typically have lower expense ratios and no fund-manager risk, and many actively managed large-cap funds struggle to consistently beat the index after fees — though returns vary by category and time period.
Can I backtest a SIP in a sectoral index like Nifty Bank or Nifty IT?
Yes — alongside the broad-market indices (Nifty 50, Sensex, Next 50, 100, 200, 500), this calculator currently covers two sectoral Nifty indices (Bank and IT), with more sectors planned. Sectoral bets are more concentrated and volatile than a broad index — some of these indices also only have data starting later than 1999, since they were launched more recently.
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