Free SIP Calculator Nepal
SIP · Lumpsum · Step-Up SIP — Illustrative projections for financial planning
💡 Illustration only. Select an assumed return using the scheme’s official reports; actual mutual fund returns vary and are not guaranteed.
| Period | Invested (रू) | Returns (रू) | Total Value (रू) | Gain % |
|---|---|---|---|---|
| Calculating… | ||||
A Systematic Investment Plan (SIP) is a method of investing a fixed amount at regular intervals in an eligible mutual fund scheme. SIP is not a separate type of mutual fund; it is an investment arrangement commonly offered with open-ended schemes. Before starting, investors should read the scheme documents, understand the applicable fees and risks, and verify registration and payment instructions with the official fund manager.
SIP Investing in Nepal: What to Know Before You Calculate
If you are considering a mutual fund SIP in Nepal, start with an amount you can maintain. Change the contribution, duration and assumed return to see how the projection changes, then check the scheme’s official terms before investing.
What Is SIP (Systematic Investment Plan)?
A systematic investment plan (SIP) is an arrangement for investing at regular intervals in an eligible scheme. Each contribution buys units at the applicable NAV under the fund’s rules; the number of units can differ from one instalment to the next.
For example, a Rs 1,000 contribution is a payment toward units, not a fixed promise of Rs 1,000 in future value. Check your confirmation or allotment statement to see the units credited.
If the illustrative NAV is Rs 11 per unit and there are no deductions, Rs 1,000 would buy about 90.91 units. Actual allotment can differ because the applicable NAV, timing and any charges follow the scheme’s terms.
When you contribute to an open-ended mutual fund through SIP, your contribution is used to purchase units at the applicable NAV according to the scheme’s terms. Fees, taxes and other deductions may vary by scheme and transaction, so check the official offer document or current fee schedule instead of assuming that a fixed DP charge applies to every instalment. The examples below show how units appeared in sample transaction records.
SIP vs Lump Sum: How to Compare Them
A SIP spreads investments across dates, while a lump-sum contribution invests the full amount at once. Compare the two using your available cash, time horizon and ability to handle a decline in value. Neither approach guarantees a profit.
SIP vs Lumpsum — Quick Comparison
How to choose between SIP and lump sum
Go with SIP if:
- You want a regular investing habit. A scheduled contribution can reduce the need to choose one entry date, but it does not prevent losses.
- You receive regular income and prefer contributing an affordable amount on a schedule. Keep an emergency fund and choose a payment amount you can sustain.
- You are saving for a long-term goal from regular income and can keep contributions affordable. Your investment may still lose value.
- You do not have a large amount ready to invest. A SIP lets you start with a scheme’s permitted minimum and add money as it becomes available. Confirm the minimum contribution and charges before registering.
Go with a lump sum if:
- You have surplus cash available for a longer-term goal and can tolerate the possibility of an immediate decline after investing. Compare the fund’s risk and fees before committing.
- A lump sum gives the full amount market exposure from the start. That can help if markets rise, but it also exposes the full amount to a decline. You can split a larger amount into instalments if that better fits your risk tolerance.
Why SIP Works Well for Nepali Salaried Investors
A SIP can help salaried, freelance and other regular-income investors contribute consistently over time. Contribution amounts and minimums vary by scheme, contribution frequency and payment channel. Choose an amount you can maintain and confirm the current minimum through the fund manager’s official website before registering.
Regular SIP contributions may be aligned with a monthly, quarterly or other permitted payment schedule, depending on the scheme’s rules. Whether a distribution is paid in cash, reinvested as additional units or reflected in the scheme’s NAV depends on the particular scheme and investment option. Do not assume that every dividend is automatically reinvested; confirm the applicable policy in the official scheme documents.
Open-ended mutual fund schemes in Nepal are managed by SEBON-regulated fund managers, but regulation does not remove investment risk. Depending on the scheme, investors may face market, liquidity, credit, interest-rate, operational and regulatory risks. Returns are not guaranteed. Review the scheme documents and latest official reports before investing, and read our Financial Disclaimer.
How SIP Works in Nepal (Step by Step): Requirements for SIP Registration Process
SIP registration requirements and payment options vary between fund managers and schemes. Always check the latest instructions on the selected fund manager’s official website before submitting personal information or making a payment.
Check the BOID/DEMAT Requirement: Many open-ended mutual fund registration portals request a valid 16-digit BOID. Use the exact account details maintained by your Depository Participant and preserve any leading zeros.
Check whether MeroShare or a CRN is required: These may be needed for some application or payment routes, but not every SIP channel. Follow the selected fund manager’s current official checklist.
Review available schemes: Compare the objective, asset allocation, risks, charges and official reports of eligible open-ended mutual funds. A bank name, recent dividend or past performance alone does not establish suitability.
Register with the fund manager. Use the official website or branch of your chosen scheme. Follow its current identity, BOID and payment instructions. Keep the registration confirmation and check that your bank and beneficiary details are correct.
Make the first contribution through the fund manager’s approved payment route. Save the receipt, then check the transaction confirmation and allotted units. The applicable NAV and allotment date follow the scheme’s rules; payment alone does not confirm that units have been credited.
You can click/tap here to learn how to open a SIP Account and here to learn how to pay SIP online easily.
How to use SIP Calculator: Steps for Calculation
Use the calculator above to test an illustrative SIP outcome. Enter an amount and period you can sustain, then compare several assumed annual returns. The figures are projections, not a prediction of a fund’s future NAV or dividend.
Step 1: Ensure the Function/tab is set to SIP. By default, it’s chosen as SIP. If not, tap SIP.
Step 2: Now enter your monthly investment amount. As per your requirement, you can select a scale or enter manually. Here I am selecting Rs 1000.
Step 3: Set the investment Period. Here, for example, I am setting 10 Years. But as per your requirement, you can set any duration.
Step 4: Enter an assumed annual rate of return for the projection. This rate is used only to illustrate a hypothetical scenario; it is not the scheme’s declared dividend or a guaranteed future return. Consider testing several assumptions to understand how different rates affect the result.
Step 5: That’s all. Happy Investing! Here you will see the complete details view, with yearly and monthly breakdowns.
Frequently Asked Questions
SIP stands for Systematic Investment Plan. In Nepal, it is a way to invest a chosen amount at regular intervals in an eligible mutual fund scheme. Each payment buys units under that scheme’s pricing rules. Unit value can rise or fall, and returns are not guaranteed.
The minimum SIP contribution is determined by each mutual fund scheme and may vary according to the fund manager, contribution frequency and payment channel. Check the scheme’s current offer document or official registration portal for the latest minimum amount before registering.
The calculator applies a mathematical projection formula to the amount, period and assumed return entered by the user. It can calculate that hypothetical scenario consistently, but it cannot predict actual mutual fund performance or future NAV changes. Unless specifically stated, the result may not include taxes, fund-management expenses, transaction charges or other deductions. Treat every result as an illustration and verify actual figures with the fund manager.
It depends on the scheme. Some fund managers let investors change the instalment amount or schedule through their portal; others require a form or a new instruction. Check the scheme’s current terms and contact its official support team before changing a payment.
There is no single return rate that applies to every mutual fund in Nepal. Use the calculator to test multiple assumed rates rather than relying on a fixed industry average. Review the specific scheme’s official reports, NAV history, fees and risk disclosures before selecting an assumption. Past performance does not guarantee future returns.
Yes. You can use this calculator without paying a fee or creating an account. It provides illustrations only; check the selected fund manager’s official documents and payment instructions before investing.
NAV is net asset value per mutual fund unit. A SIP payment buys units at the applicable NAV under the scheme rules, after any relevant charges. A lower NAV alone does not make a fund cheaper or better.
Redemption rules differ by scheme. Check the fund manager’s official website or investor portal for the current request method, minimum holding period, exit charge, cut-off time and applicable NAV. Some schemes accept online requests; others require a signed form. A SIP cancellation stops future contributions but does not necessarily redeem units already owned.
Conclusion
Use the calculator to compare scenarios, then read the scheme documents and confirm current instructions with the fund manager. Choose a contribution you can afford, and remember that actual returns may be higher or lower than any projection.
Mutual fund investments are subject to market risk; treat every projection as an estimate, not a promise.
