Nepali SIP Investment Calculator

मासिक निवेशको भविष्य मूल्य गणना

This tool helps you calculate the future value of your Systematic Investment Plan (SIP) in Nepali mutual funds. It accounts for Nepal's inflation rate and applicable taxes to give you a realistic projection of your investment growth.

Plan Your Nepali Mutual Fund Investments

  • Calculate SIP returns for NIBL, NIC Asia funds
  • Adjust for Nepal's inflation (6.2% avg)
  • Compare fund performance
  • Download investment projections
  • Plan for children's education/marriage

Example:

रु 5,000/month in NIBL Sahabhagita for 5 years
= रु 4.12 लाख (12.5% return)
= रु 3.04 लाख (after inflation)

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How SIP Works in Nepal

A Systematic Investment Plan (SIP) allows you to invest a fixed amount regularly in mutual funds. In Nepal, most fund houses like NIBL, NIC Asia, and Prabhu Capital offer SIP options with minimum investments starting from NPR 500 per month.

Benefits of SIP in Nepal

Rupee Cost Averaging

By investing a fixed amount regularly, you buy more units when prices are low and fewer when prices are high, reducing the impact of market volatility.

Power of Compounding

The earlier you start, the more time your money has to grow. In Nepal's growing market, long-term SIPs have historically outperformed fixed deposits.

Tax Benefits

In Nepal, mutual fund returns are tax-free if held for more than one year, making SIPs a tax-efficient investment option compared to bank deposits.

Financial Discipline

SIPs encourage regular saving habits, helping Nepali investors build wealth consistently over time without the need for timing the market.

Frequently Asked Questions

What is the minimum SIP amount in Nepal?

Most Nepali funds allow SIPs from NPR 500/month (NIC Asia) to NPR 1,000/month (NIBL). Some micro-SIPs start at NPR 300.

How is SIP taxed in Nepal?

Nepal charges 5% capital gains tax on mutual funds if redeemed before 1 year. No tax applies after a 1-year holding period.

Which mutual fund is best for SIP in Nepal?

The best fund depends on your risk tolerance and investment horizon. NIBL Sahabhagita and Nabil Equity Fund have shown strong historical performance for growth-oriented investors.

Can I stop my SIP anytime?

Yes, most Nepali mutual funds allow you to pause or stop your SIP without any penalty. However, consistent investing yields better long-term results.