How to use it
Choose Monthly SIP or Lumpsum, enter the amount, your expected annual return and the number of years. You’ll see your total invested, estimated returns and maturity value, plus an optional year-by-year table. For a SIP, add an annual step-upto model raising your contribution as your income grows.
SIP vs lumpsum
A SIP invests a fixed amount every month — it suits salary earners, averages your purchase price across market ups and downs, and builds discipline. A lumpsum invests a single amount once and lets it compound. Many investors do both: a lumpsum when they have savings, plus an ongoing SIP.
Mutual funds & SIP in Nepal
SIPs in Nepal are offered through open-ended mutual funds (priced by NAV; you can buy/redeem units anytime), unlike closed-end funds that trade on NEPSE. As of early 2026 the market has roughly 12 open-ended funds (out of ~56 total) with combined AUM over NPR 61 billion, all regulated by the Securities Board of Nepal (SEBON). Most SIPs accept a minimum of about Rs 500–1,000 per month.
Open-ended funds & their managers (bank-wise)
SIP-capable open-ended funds are run by bank-affiliated asset managers (AMCs). Examples:
| Asset manager (sponsor bank) | Example open-ended fund |
|---|---|
| NIBL Ace Capital (NIBL) | NIBL Sahabhagita Fund |
| NMB Capital (NMB Bank) | NMB Saral Bachat Fund-E |
| Siddhartha Capital (Siddhartha Bank) | Siddhartha Systematic Investment Scheme |
| NIC Asia Capital (NIC Asia) | NIC Asia Dynamic Debt Fund |
Other AMCs (Nabil Invest, Laxmi Capital, Global IME Capital, Sanima Capital, Kumari Capital, Citizens, Prabhu and more) also run funds. Fund availability, NAV and SIP enrolment change often — always confirm the current list and live NAV from the official sources below before investing.
Sources & disclaimer
This is an educational, pre-tax projection from your assumed rate — not investment advice and not a guarantee. Returns depend on the market and the fund manager; funds charge fees and gains/dividends may be taxed, so real in-hand returns are lower. Fund data as of early 2026; verify the current list and NAV with the official sources, and read the fund’s scheme documents.
- Securities Board of Nepal (SEBON) — mutual fund regulator
- ShareSansar — Nepal mutual fund list & NAV
- Check the specific AMC’s official website for current NAV, fund status and SIP enrolment.
Related: NEPSE Share Calculator, Fixed Deposit Calculator, EMI Calculator.
Frequently asked questions
What is a SIP?
A Systematic Investment Plan (SIP) means investing a fixed amount regularly — usually monthly — into a mutual fund, instead of one lump sum. In Nepal this is possible with open-ended mutual funds. SIP spreads your buying across different NAVs over time (rupee-cost averaging) and builds the habit of disciplined investing.
How is the maturity value calculated?
For a monthly SIP it uses the standard future-value-of-an-annuity formula: FV = P × ((1+i)ⁿ − 1) / i × (1+i), where P is the monthly amount, i is the monthly rate (annual return ÷ 12) and n is the number of months. For a lumpsum it compounds the amount annually: FV = P × (1+r)^years.
What return rate should I assume?
There is no guaranteed number — it is your assumption. Look at the long-term track record of Nepali mutual funds you're considering and be realistic. Try a few rates (e.g. 8%, 12%, 15%) to see a range. Past performance does not guarantee future returns.
What is a step-up SIP?
A step-up SIP increases your monthly investment by a set percentage each year (for example +10% annually as your income grows). It can substantially raise your final corpus. Set the step-up field to 0 for a flat SIP.
Are these figures after tax?
No — the projection is pre-tax and ignores fund expenses/exit loads. Mutual fund gains and dividends in Nepal may be taxed, and funds charge management fees, so your real, in-hand return will be somewhat lower.
Is my data saved or sent anywhere?
No. The calculation runs entirely in your browser; nothing is uploaded.