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ICICI SIP Calculator

Estimate your wealth accumulation over time with the ICICI SIP Calculator. ICICI Prudential Mutual Fund, formed via a partnership between ICICI Bank and Prudential plc, is a leading player in the Indian mutual fund industry known for its massive Assets Under Management (AUM). By starting a Systematic Investment Plan, investors can take advantage of the power of compounding by making small, regular investments into ICICI's diverse portfolio of funds, regardless of market highs and lows.

Total Invested

₹6,00,000

Est. Returns

₹5,20,179

Total Value

₹11,20,179

Adjust Parameters

₹
₹500₹10,00,000
%
1%30%
Yrs
1 Yrs40 Yrs

Return Breakdown

Total Value

₹11,20,179

Invested
Returns

Cumulative Growth Over Time

Timeline SnapshotYear 1
Total Invested₹60,000
Est. Returns+₹3,832
Total Value₹63,832

💡 Hover or tap any bar to explore other years

YEARS
Total Invested
Est. Returns

Year-by-Year Growth Projection

YearTotal InvestedEst. ReturnsTotal Value
1 Year₹60,000₹3,832₹63,832
2 Years₹1,20,000₹15,325₹1,35,325
3 Years₹1,80,000₹35,396₹2,15,396
4 Years₹2,40,000₹65,076₹3,05,076
5 Years₹3,00,000₹1,05,518₹4,05,518
6 Years₹3,60,000₹1,58,013₹5,18,013
7 Years₹4,20,000₹2,24,007₹6,44,007
8 Years₹4,80,000₹3,05,120₹7,85,120
9 Years₹5,40,000₹4,03,167₹9,43,167
10 Years₹6,00,000₹5,20,179₹11,20,179

ICICI Prudential Mutual Fund Mutual Fund & SIP Overview

ICICI Prudential Mutual Fund is a joint venture between ICICI Bank and Prudential plc of the United Kingdom, and is consistently among the two or three largest AMCs in India by assets under management. Its defining characteristic is breadth: it runs one of the widest scheme ranges in the market, spanning equity, debt, hybrid, index, international and a large set of solution-oriented and thematic funds. That breadth is a genuine advantage for an investor consolidating a portfolio in one fund house, and a genuine hazard for one picking a scheme by name alone.

How to Start a SIP in ICICI

ICICI Bank customers usually register through ICICI Direct, which links the trading, demat and banking relationship in one place:

  1. 1Complete KYC once — A single KYC through any SEBI-registered intermediary is valid at every fund house. It does not need repeating per AMC.
  2. 2Register through ICICI Direct or the AMC — ICICI Direct carries mutual funds alongside equities and holds the banking link, so the debit authorisation happens in the same relationship. The ICICI Prudential site accepts registration from any bank.
  3. 3Choose the scheme and plan — Given the breadth of the range, read the scheme information document rather than picking on name — several ICICI schemes with similar names sit in quite different risk categories.
  4. 4Authorise the mandate — UPI AutoPay activates within about a day for smaller instalments. An OTM or NACH mandate covers larger amounts and takes a few working days to register at the bank.
  5. 5Set the debit date — Choose a date after your salary credit. A bounced mandate carries a bank charge and can interrupt the SIP.

ICICI SIP Investment Rules & Key Metrics

Operating rules for a ICICI Prudential Mutual Fund SIP. Scheme returns are not shown — fund performance changes daily, and the figures that stay true are the ones below.
MetricAppliesWhat to know
Minimum SIPCommonly ₹500, some schemes ₹100Set per scheme. With a range this wide the floor genuinely varies, so check the scheme document.
FrequenciesDaily, weekly, monthly, quarterlyMonthly is the default and is what the projection above assumes.
Cut-off time3:00 PM for most schemesApplications after cut-off are allotted the next business day's NAV.
Scheme categoriesEquity, debt, hybrid, index, internationalICICI's range covers nearly every SEBI category, so two schemes from the same house can carry very different risk.
MandateUPI AutoPay, OTM / NACH, ICICI Direct debitThe ICICI Direct route is quickest for existing customers because banking and investment sit in one relationship.

Managing & Modifying Your ICICI SIP

The size of the scheme range is what makes ongoing management here different from a smaller AMC:

  • •Switching between ICICI schemes is a redemption and a fresh purchase for tax, not a transfer — capital gains apply on the units switched out even though the money never leaves the fund house.
  • •Consolidating multiple SIPs into fewer folios makes capital gains reporting substantially easier at redemption, and ICICI's breadth tends to produce scattered folios over time.
  • •Pausing is supported for a defined number of instalments, after which the SIP resumes automatically.
  • •Cancellation requires notice ahead of the next debit date so the mandate can be stopped at the bank end.
  • •A step-up instruction raises the instalment annually; check the mandate ceiling covers the raised amount or the debit will fail.

Enter your monthly instalment, an expected CAGR and your horizon above to project the corpus. The rate is an assumption you choose — no ICICI scheme commits to one.

Explore our universal SIP Calculator to compare mutual fund returns across all AMCs, or model an annual increase with the step up SIP calculator.

Top Mutual Fund Categories

  • •ICICI Prudential provides various mutual fund categories suitable for SIPs, such as:
  • •Core Equity and Value Discovery Funds
  • •Balanced Advantage and Hybrid Funds
  • •Corporate Bond and Debt Funds
  • •Tax Saving (ELSS) Funds.

Frequently Asked Questions

Common questions about the ICICI SIP Calculator.

Complete KYC once through any SEBI-registered intermediary, then register either through ICICI Direct, which links your banking, demat and investment relationship in one place, or directly on the ICICI Prudential Mutual Fund site from any bank account. Authorise the monthly debit with UPI AutoPay for smaller instalments or an OTM / NACH mandate for larger ones, which takes a few working days to register.

Commonly ₹500 a month, with some schemes accepting ₹100. Because ICICI runs one of the widest scheme ranges in India, the minimum genuinely varies between schemes rather than being fixed across the fund house — check the scheme information document for the specific fund before assuming a figure.

Yes. A switch is treated as a redemption from one scheme and a fresh purchase into another, even though the money never leaves the fund house. Capital gains apply on the units switched out, calculated on each instalment's own holding period. Investors often assume an in-house switch is tax-neutral; it is not.

Both are supported. Pausing runs for a defined number of instalments and the SIP resumes automatically afterwards rather than lapsing. Cancelling requires notice before the next debit date, commonly 15 to 30 days, so the mandate can be withdrawn at the bank. Units already purchased stay invested either way until you choose to redeem them.

Read the scheme information document rather than the name. ICICI's range covers nearly every SEBI category, and schemes with closely similar names can sit in quite different risk categories — a flexi-cap and a focused equity scheme behave differently despite comparable labels. Check the category, the benchmark and the portfolio concentration before registering the SIP.

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