How SIP returns are calculated

A SIP estimate models a fixed monthly contribution and an assumed annual return, converted to a monthly rate.

Contribution timing

WealthAura uses a monthly annuity-due approach: each monthly contribution is assumed to participate in that month's growth.

Market returns can vary and can be negative. The output is an illustration based on the return rate you enter.

Total invested is the sum of contributions. Estimated returns are the difference between the projected value and those contributions.

Are SIP returns guaranteed?

No. Mutual-fund and market returns are not guaranteed.

What changes the estimate?

Monthly contribution, assumed return and duration all affect the projected value.

Calculations are based on the formulas and assumptions shown. Actual financial outcomes may differ.