How weekly SIPs work
A weekly SIP makes one purchase per week — 52 times per year. The SEBI standard formula adapts to weekly frequency by setting the per-period rate r = annualRate ÷ 52 and the period count n = years × 52. Each week’s contribution buys units at the prevailing NAV on the SIP date, producing 52 rupee-cost-averaging events per year rather than the 12 in a monthly SIP. The formula is AMC-neutral: FV = P × ((1+r)^n − 1)/r × (1+r), where P is your per-week amount. This calculator applies that formula exactly; the “weekly” framing simply changes the per-period rate and period count.
What return rate is reasonable?
| Fund type | Historical 10-yr CAGR | Assumption for projection |
|---|---|---|
| Large-cap equity | 11–13% | 10–12% |
| Mid/small-cap equity | 13–17% | 12–14% |
| Hybrid (balanced) | 9–11% | 8–10% |
| Debt | 6–8% | 6–7% |
| ELSS (tax-saver) | 11–14% | 10–12% |
These are educational ranges. Past performance is not indicative of future returns. BachatCalculator does not recommend specific funds.
Tax treatment
- ELSS SIPs count toward §80C up to ₹1.5L per FY (3-yr lock-in per instalment). Use our §80C calculator to quantify your deduction.
- Equity MF redemptions post-1-yr holding: LTCG at 12.5% (post-23-Jul-2024) on gains above ₹1L per FY.
- Equity MF redemptions within 1yr: STCG at 20% (post-23-Jul-2024). See our LTCG equity calculator.
Bridges
- SIP calculator (head) — universal SIP with monthly/weekly/daily toggle
- Daily SIP calculator — daily-frequency projection
- Step-up SIP calculator — annual contribution increase
- Section 80C calculator — ELSS SIP tax deduction
- LTCG equity calculator — tax on redemption gains