SIP portfolio planner

Enter the monthly SIP you run in each fund. See what those SIPs would be worth today over 3 and 5 years — and what the same SIPs in a Nifty 50 index fund would have made — plus how much your funds overlap.

Loading fund data…

Your funds

0 funds · up to 25 · monthly SIP per fund

Or try an example:

Want an expert to look at your portfolio?

Past returns are one lens. Sulekha Sen reviews your whole portfolio — goals, tax, risk and costs — and tells you what to keep, consolidate or change. The first 30-minute call is free.

Book a free 30-min call →

No SIP amounts handy? Use the portfolio planner. Full stock-level detail: portfolio overlap checker.

How this works

SIP backtest

Each fund gets its monthly SIP at its month-end NAV, every month, for the last 3 and 5 years. We value all units at the latest NAV and compute XIRR, the annualised return that accounts for when each instalment went in.

The index alternative

The same total monthly amount goes into a low-cost Direct Growth index fund on the same dates. The difference is what your fund choices added — or cost — in rupees.

Portfolio returns

For the growth chart and risk figures, your funds are weighted by their SIP amounts and rebalanced monthly.

Overlap

From each fund’s latest SEBI-mandated monthly portfolio disclosure.

SIP Portfolio Planner — common questions

How do I know if my SIPs are working?+

Compare them with the simplest alternative: the same monthly amount in a low-cost index fund, on the same dates. If your funds have ended up with more money than the index SIP over 3 to 5 years, your fund choices added value; if less, they cost you. This planner does that comparison in rupees and in XIRR.

What is SIP XIRR?+

XIRR is the annualised return on a series of investments made on different dates. Because each SIP instalment has been invested for a different length of time, a simple CAGR doesn’t work; XIRR weighs every instalment by how long it has been invested. It is the standard way Indian fund houses and platforms report SIP returns.

Would an index fund SIP have done better than my funds?+

It depends on your funds and the period. Enter your SIPs above to see the answer for your own portfolio over the last 3 and 5 years, against Nifty 50, Nifty Midcap 150 or Nifty Smallcap 250 index funds.

Does past SIP performance tell me what will happen next?+

No. It tells you how your choices played out in one stretch of market history. It is a good way to spot funds that have consistently lagged a cheap alternative, but future returns can be higher or lower.

Should I stop a SIP that is behind the index?+

Stopping or switching has costs — exit loads, capital gains tax, and the risk of reacting to a short bad patch. Look at the gap over several years, the fund’s risk, and your goals first. A portfolio review can help you decide.

Why is my 5-year SIP comparison missing?+

A 5-year backtest needs 5 years of NAV history for every fund with a SIP amount. Younger funds limit the comparison to 3 years or less.

Returns are calculated from historical month-end NAVs (AMFI) and are not a forecast. Portfolio holdings come from AMC monthly disclosures. This tool is educational and is not investment advice. Mutual fund investments are subject to market risks, read all scheme related documents carefully. Past performance does not guarantee future returns.