Plan Your Financial Future in Minutes
Use our free SIP Calculator to estimate your investment returns, visualize compounding, and start building wealth today ā no sign-up required.
Why Use Our SIP Calculator?

Simple Inputs
Just enter your monthly investment, time period, and expected return rate.

Visual Growth Charts
See how your wealth grows month by month with powerful visuals.

Customizable Results
Test different scenarios to find the perfect investment plan for you.
How I Turned ā¹5,000/month into ā¹6 Lakhs ā My 3-Year SIP Journey
In 2020, I was saving ā¹5,000/month with no real strategy. I stumbled into SIPs by chance. Today, that same habit has grown into ā¹6,12,000 ā and taught me 3 major lessons about compounding, patience, and mistakes I wish I avoided earlier.
š What Went Wrong in Year 1
In my first year, I panicked during a market dip and pulled out my SIP investments. That single move cost me potential gains and broke the compounding chain. I learned the hard way that reacting emotionally to market swings is a recipe for regret.
š Lesson Learned: Consistency Beats Timing
- Missed rallies by being out of the market
- Lost out on rupee cost averaging
- Peace of mind improved with automation and discipline
š My Portfolio Before vs After
Before (2020)
- Random savings in bank account
- No real investment plan
- Low returns (2-3% p.a.)
After (2023)
- Disciplined SIPs in diverse mutual funds
- Portfolio value: ā¹6,12,000
- Average returns: 13-15% p.a.
š§ What Iād Do Differently If Starting Again
If I could start over, Iād set up my SIPs and forget about the daily market noise. Iād diversify a bit more, avoid panic-selling, and trust the process. Most importantly, Iād start even earlier ā because time is your biggest ally in compounding.
Get best loans in minutes: Navi – Instant Personal loan
Get Best Loans in Minutes – A Navi loan is a special type of loan that offers you the opportunity to finance more than one item. For example, if you are buying furniture for your living room and bedroom, then this is an excellent option for you. This is because you will be able to get the money required to buy both items with just one application instead of having to fill out two applications.
Navi loan provides you loans upto ā¹5 lakh instantly through a completely paperless process. Instant Loan
Loan amount: From ā¹10,000 to ā¹500,000
Interest rates: From 12% to 36% per annum
Tenure: 90 days to 36 months
Processing fees : 3.99% (Min Rs 1,499+GST and Max Rs 7,499+GST)

Example
Loan Amount: Rs 50,000
Tenure: 12 Months
Interest Rate : 22% (on Reducing Principal Balance interest calculation)
EMI Amount: Rs 4,680
Total Interest Payable: Rs 4,680 x 12 months – Rs 50,000 Principal = Rs 6,160
Processing Fees (incl. GST): Rs 1,475
Disbursed Amount: Rs 50,000 – Rs 1,475 = Rs 48,525
Total Amount Payable : Rs 4,680 x 12 months = Rs 56,160
Total Cost of the Loan = Interest Amount + Processing Fees = Rs 6,160 + Rs 1,475 = Rs 7,635
Loan Amount: Rs 50,000 Tenure: 12 Months Interest Rate : 22% (on Reducing Principal Balance interest calculation) EMI Amount: Rs 4,680 Total Interest Payable: Rs 4,680 x 12 months – Rs 50,000 Principal = Rs 6,160 Processing Fees (incl. GST): Rs 1,475 Disbursed Amount: Rs 50,000 – Rs 1,475 = Rs 48,525 Total Amount Payable : Rs 4,680 x 12 months = Rs 56,160 Total Cost of the Loan = Interest Amount + Processing Fees = Rs 6,160 + Rs 1,475 = Rs 7,635 | Get best loans in minutes |
Navi is a new age digital platform which provides you easy access to Instant Personal Loans upto Rs 5 lakhs and Home Loans upto Rs 1.5 crores in a seamless and transparent manner.
Navi introduces its new loan product Home Loans.
Home Loans
1. Amount: Upto Rs 1.5 Crore
2. Interest Rates : Starting at 6.95% per annum
3. Tenure: Upto 25 years
4. Loan amount upto 90% of property value
Home Loan Features
1. Instant loan offer
2. No documents required till you get a loan offer
3. High loan amount & Low EMIs
4. Loans for under-construction, self-constructed and ready to move-in homes
5. No application fee, legal fee, valuation fee or document handling fee
Personal Loan Features
1. Upto Rs 5,00,000 limit
2. Instant money transfer to bank account
3. No bank statement or salary slip requirement
4. 100% paperless process
5. Minimal documentation. No printouts required
6. Flexible loan and EMI amount options
7. Instant eligibility check
8. No security deposit (collateral)
Eligibility
1. Indian citizen
2. Age above 18 years
3. Select cities
Documents requirement
1. PAN number
2. Aadhaar number
How to apply
1. Install Navi App
2. Register using your mobile number
3. Fill your basic details to check your loan eligibility
4. Choose the loan and EMI amount of your choice
5. Complete the KYC with selfie and Aadhaar
6. Enter bank details for money transfer
7. Done
Customer care : help@navi.com for any of your queries.
Operational Cities
⢠Delhi NCR – New Delhi, Gurgaon, Noida, Greater Noida, Ghaziabad, Faridabad
⢠Chandigarh
⢠Maharashtra: Mumbai, Navi Mumbai, Thane, Pune, Nagpur, Ahmed Nagar, Kolhapur, Aurangabad, Nashik, Satara
⢠Karnataka: Bangalore, Mysore, Udupi, Dharwad, Kolar, Hassan, Mandya
⢠Tamil Nadu: Chennai, Tiruchirappalli, Erode, Madurai, Vellore, Salem
⢠West Bengal: Kolkata, Hoogly, Howrah
⢠Punjab: Amritsar, Ludhiana, Jalandhar, Mohali, Ropar, Bathinda, Fatehgarh Sahib
⢠Gujarat: Ahmedabad, Vadodara, Valsad
⢠Telangana: Hyderabad, Secunderabad, Mahabubnagar
⢠Madhya Pradesh: Indore
⢠Odisha: Bhubaneshwar, Cuttack
⢠Rajasthan: Jaipur, Udaipur, Ajmer, Alwar, Kota, Jhujhunu
⢠Uttar Pradesh: Ghaziabad, Noida, Lucknow, Jhansi
⢠Uttarakhand: Dehradun
⢠Bihar: Patna, Gaya
⢠Jharkhand: Ranchi
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⢠Kerala: Ernakulam, Kollam, Kottayam, Thiruvananthapuram, Thrissur
⢠Pondicherry