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Compound interest, SIP and lumpsum calculator

Repo-linked (EBLR): your rate rises by the same 0.25% at the next reset date, unless your lender holds back some of it. Resets happen at least once every three months, so expect the change within about three months of 7 October.
MCLR-linked: your lender's own cost of funds drives the rate and it resets on its own date, often every six or twelve months. The effect arrives later and may be smaller. Our guide to [[blog:eblr-vs-mclr-home-loan|EBLR and MCLR]] explains the difference.
Fixed rate: nothing changes until the fixed period ends.

See what a lump sum, a monthly SIP or both grow to, and what it is worth after inflation.

Returns are not guaranteed. Monthly money is added at the start of each month and grows at the yearly rate divided by 12. Tax on gains not included. Estimate.

Common questions

How does compound interest work?

You earn interest on your interest, so growth speeds up over time.

Are SIP returns guaranteed?

No. Equity returns vary. The calculator shows an estimate at the rate you pick.