Pick a risk profile, set your monthly contribution, expected return and horizon, and the calculator projects the maturity value, wealth gain and a year-by-year growth curve — useful for sense-checking long-term SIPs before you sign up with a fund house.
Pick a risk profile, tweak the numbers
Compounding is front-loaded by time, not by contribution size — the longer the horizon, the bigger the share that comes from returns rather than your own money. The table below tracks both numbers year-on-year for the inputs above.
| Year | Invested so far | Returns | Total value | Gain % |
|---|
The tool projects the maturity value of a monthly Systematic Investment Plan (SIP) into a SEBON-regulated Nepalese mutual fund. Enter your monthly contribution, an expected annual return and a horizon — the engine compounds monthly and reports total value, wealth gain and a full year-by-year schedule.
Figures are historical averages — not forecasts. Actual returns track NAV and NEPSE movements and can deviate sharply. Always read the fund's Key Information Memorandum, and note that SEBON registration regulates conduct, not returns.
An SIP lets you feed a fixed amount — usually monthly — into a SEBON-regulated mutual fund instead of dropping a lump sum in one go. The approach averages out your purchase price across market ups and downs (rupee cost averaging). Nabil Mutual Fund, NIC Asia Growth Fund, Global IME Samunat and Sunrise First all run SIP-eligible schemes.
Nepal's funds have historically returned 8–18% per annum depending on the risk profile — roughly 8–10% for debt-heavy funds, 10–14% for balanced, and 14–18% for equity growth funds in good NEPSE years. A middle estimate of 12% is a reasonable default for a 10-year SIP in a diversified fund. These are projections, not guarantees.
Using the standard SIP formula: M = P × ((1 + r)n − 1) ÷ r × (1 + r), where M is the maturity value, P is the monthly contribution, r is the monthly rate (annual ÷ 12 ÷ 100) and n is the total number of months. It assumes a flat compounding rate — real NAV movement will vary month-to-month.
Most Nepalese fund houses start from Rs 500 to Rs 1,000 a month, with the exact floor set by each AMC. There's no upper regulatory cap, though bigger sums can trigger extra KYC checks under Nepal's AML rules. Check the fund's Key Information Memorandum for the exact minimum.
Yes. Under Income Tax Act 2058, capital gains on units sold after a year attract 5% tax; gains on units sold within a year attract 10%. Dividend payouts are taxed at 5%. Speak to a tax adviser to model your own holding pattern.
