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This Nepal SIP Calculator helps you estimate the maturity value of your Systematic Investment Plan (SIP) in SEBON-regulated mutual funds. Enter your monthly investment amount, expected annual return rate, and investment period to see total value, estimated returns, and a year-wise growth breakdown.
*These are historical estimates only. Nepal mutual fund returns are subject to NEPSE market conditions and are not guaranteed. Past performance does not predict future results. Always read the fund's Key Information Memorandum (KIM) before investing. SEBON registration does not guarantee returns.
SIP (Systematic Investment Plan) lets you invest a fixed amount monthly in a SEBON-regulated mutual fund — similar to a recurring deposit but in market-linked instruments. Popular Nepal fund houses offering SIP include Nabil Mutual Fund, NIC Asia Growth Fund, Global IME Samunat, and Sunrise First Mutual Fund. SIP reduces timing risk through rupee cost averaging.
Nepal mutual fund returns depend on the fund type and NEPSE market conditions. Conservative debt funds historically return 8–10% p.a., balanced funds 10–14% p.a., and equity growth funds 14–18% p.a. Use 12% as a reasonable middle-ground estimate for a 10-year SIP in a diversified Nepal mutual fund. These are estimates — not guaranteed.
The formula used is: M = P × ((1 + r)^n − 1) / r × (1 + r), where M is the maturity amount, P is the monthly investment, r is the monthly rate (annual rate ÷ 12 ÷ 100), and n is the total number of months. This assumes a constant compounding rate — actual mutual fund NAV may fluctuate monthly.
Most Nepal mutual fund companies accept SIP starting from Rs. 500 – Rs. 1,000 per month. The minimum varies by fund house. There is no regulatory maximum, but large investments may require KYC documentation under Nepal's Anti-Money Laundering (AML) regulations. Check your fund's Key Information Memorandum for exact minimums.
Yes. Capital gains from mutual fund units held over one year are taxed at 5%, and those held under one year at 10%, as per Nepal's Income Tax Act 2058. Dividend income is taxed at 5%. Consult a tax advisor for accurate computation based on your holding period and fund type.
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