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  • Kotak Mahindra SIP Calculator

Kotak SIP Calculator

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₹ 275,901 Cr

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A mutual fund SIP helps you invest small amounts of money at regular intervals and help you grow your money in the smartest way possible. Kotak SIP Calculator is an online tool that helps estimate the returns of SIP investment. Use our Kotak SIP calculator to see how much your investment can grow if you invest today.

Calculate SIP Mutual Fund Returns

Monthly Investment Amount
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 %
Investment Duration
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Step Up
 %

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Maturity Amount Based on Growth Scenarios,

Disclaimer: Mutual Fund investments are subject to market risks. Please read all scheme related documents carefully before investing. Past performance is not an indicator of future returns. Learn More

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What is a Kotak SIP Calculator?

Kotak SIP Calculator is an online tool that helps in estimating the returns from a SIP investment. The calculator works on the simple inputs given by the user like investment amount or target amount, expected rate of return, investment tenure, and step-up rate. Scripbox’s Kotak SIP Calculator gives output in both graphical and tabular format. Also, the calculator clearly shows the investment amount, potential capital gains and estimated maturity amount.

The Kotak SIP Calculator works on the investment amount and target amount approach. The investment amount approach is the most used one where the investors enter how much they want to invest along with the tenure, expected rate of interest and step up percentage. On the other hand, the target amount approach estimates the current monthly investment based on the target provided by the investor.

Kotak SIP calculator estimates the return in terms of maturity amount based on three different growth scenarios. The three different growth scenarios are above average, average, and below-average.

The Kotak SIP Calculator only gives an estimate based on the inputs provided and doesn’t guarantee any returns. The performance of a mutual fund affects its return which can be higher or lower than the estimate provided by Kotak SIP Calculator.

The formula for Kotak Bank SIP Calculator

The Kotak bank SIP Calculator uses the following formula to estimate the returns from a SIP investment.

M = P * ((1+i)^n)-1)/i) * (1+i)

Where,

M = maturity amount of the investment

P = Monthly investment amount

i = Interest rate per annum divided by 12

n = number of months

Let’s understand this better with an example if an investor invests INR 15,000 a month for 15 years and expects 15% per annum. The expected maturity amount can be calculated as follows:

M = 15,000 * (1+1.25%)^180) – 1/1.25%) * (1+1.25%)

M =  1,01,52,946.41

Hence, for an investment of INR 27,00,000, the maturity amount is INR 1,01,52,946.41.

How to use a Kotak Bank SIP Calculator?

When it comes to investing, everyone wants to know what their potential returns are. Kotak Bank SIP calculator helps in estimating potential returns from SIP investments. The calculator is available online, and one can use it for free. Scripbox’s Kotak SIP calculator provides two approaches to estimating the wealth and maturity amount, i.e. ‘Investment Amount’ and ‘Target Amount’.

Investment Amount Approach

Individuals who know how much they want to contribute monthly will benefit from the investment amount approach to estimating potential SIP returns. To determine the maturity amount and wealth gained, one has to follow the below steps:

  • Enter the monthly investment amount (SIP amount)
  • Next, provide the expected growth rate
  • Provide the investment duration in years
  • Finally, select the step up percentage. Step Up refers to an annual increase in the investment amount that is in line with the growth of the investor’s income. Investors can increase their SIP investments by step-up percent each year. This aids in the achievement of financial objectives in a more timely and systematic manner. Ideally, the step-up percentage should be equal to the increase in the individual’s annual compensation.

The Kotak bank SIP calculator will automatically estimate the potential gains at the end of the investment duration. Also, one can view the calculation of Kotak SIP Maturity Amount either in a chart or table form. The investment graph provides a visualization of the Kotak SIP maturity amount and the wealth gained during the investment tenure. In the tablet format, one can easily identify the Kotak Bank SIP Step-Up value every year (indicated with a blue arrow).

Furthermore, the SIP calculator estimates maturity amount based on three growth scenarios – above-average returns, average returns and below-average returns.

Target Amount Approach

The target amount approach aids in determining the monthly investment (SIP) amount that one requires in order to meet their financial objectives. However, to estimate it, one must first determine how much money they want at the end of the investment period. To calculate the monthly investment amount using this method, follow the steps below:

  • Firstly, enter the expected target amount
  • Next, provide the expected growth rate
  • Provide the investment duration in years
  • Finally, select the step up percentage. Step Up refers to an annual increase in the investment amount that is in line with the growth of the investor’s income. Investors can increase their SIP investments by step-up percent each year. This aids in the achievement of financial objectives in a more timely and systematic manner. Ideally, the step-up percentage should be equal to the increase in the individual’s annual compensation.

The Kotak Bank SIP calculator will automatically estimate the SIP target amount. In the calculation of the SIP target amount table, one can find the details of their Kotak investments. Such as years, investment amount, interest earned and maturity amount. Also, in the tablet format, one can easily identify the Kotak Bank SIP Step-Up value every year (indicated with a blue arrow).

Furthermore, mutual fund investments are subject to market risks. Hence, one should be mindful of the risks and understand the Kotak SIP calculator is just an estimate of the potential returns and doesn’t guarantee them.

How can a Kotak Bank SIP Calculator help you?

The following are the benefits of the Kotak Bank SIP calculator:

Estimate maturity amount

The Kotak bank SIP calculator helps investors to estimate their potential returns at the end of the investment duration. Kotak SIP calculator also helps in estimating the monthly investment amount if the investor knows how much they want to earn at the end of their investment tenure.

Easy to use

Scipbox’s Kotak SIP calculator is quite easy to use and navigate. One has to enter the details such as investment amount, expected return, investment tenure and step up percentage to estimate their returns. Also, the Kotak SIP calculator saves the investor’s time from doing complex calculations. The Kotak SIP calculator estimates the maturity amount and the monthly investment amount within seconds.

Graphical and Tabular Representation

The Kotak SIP calculator shows the return estimates in both graphical and tabulated forms. This representation helps investors to interpret the returns and make informed decisions easily.

Maturity amount based on growth scenarios

The Kotak SIP calculator estimated the returns based on three growth scenarios. The three growth scenarios are based on above-average returns, average returns and below-average returns.

Step Up

The Kotak SIP calculator provides an opportunity for the investor to step-up their investments annually. Stepping up SIPs aids in achieving financial goals faster. Also, the step-up details can be found in the table format of the Kotak SIP maturity amount estimation.

Informed Decision

Investors can compare multiple return scenarios using the free online Kotak Bank SIP calculator and make the right investment decisions that will help them earn significant returns.

How is the Kotak Bank SIP maturity amount calculated?

The Kotak Bank SIP maturity amount is calculated using the future value of the annuity formula.
M = P * ((1+i)^n)-1)/i) * (1+i)
SIP return is calculated using the CAGR formula. Compound Annual Growth Rate is the rate at which an investment grows each year for the entire duration of the investment. Following is the formula for CAGR:
CAGR = (ending value/beginning value) ^ (1/number of years or months) – 1*100
The ending and beginning value is the NAV of the fund at the time of investment and withdrawal, respectively.
Example:
Let’s take an example of an investor who invested in a Kotak Bank mutual fund when the NAV was INR 10. After eight years, the investor wants to withdraw the investment when the NAV is INR 35.
CAGR = (((35/10) ^ (12/96)) – 1) * 100
CAGR = 16.95%
This means the investment has grown at 16.95% each year for eight years. If the investor has invested INR 5,000 a month for eight years, at the end of 8 years, the maturity amount for the investor would be INR 10,20,944.28.
Total investment: INR 4,80,000
Maturity amount: INR 10,20,944.28

Frequently Asked Questions

Is Kotak SIP good?

Kotak Mutual Fund is a subsidiary of the Kotak Mahindra Group, India’s largest financial services company.  The fund house has over 21 lakh investors and manages more than INR 1.7 lakh crore assets. Kotak has experienced fund managers managing more than 40 funds. The fund managers use multiple strategies to deliver benchmark beating returns for investors.
Therefore, as a financial institution and an asset management company Kotak has been committed to the business and its customers. The funds have outperformed their benchmark in the past and have given significant returns to investors. However, it is advised to read all the scheme documents before investing and perform thorough due diligence. 

How to invest in Kotak SIP?

One can invest in Kotak SIP through Scripbox. Firstly, create an account on Scripbox and log in. Then, select the fund of your choice and click on invest. Now, click on the ‘Monthly SIP option’ and provide all necessary details like SIP amount, tenure and start date. Then, click on ‘Start SIP’. Your SIP investment will commence from the date provided by you.

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