Hybrid SIP Calculator - Balanced Fund Returns Calculator

Calculate your hybrid mutual fund SIP returns with our free online calculator. Plan balanced fund investments with accurate maturity value projections.

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Enter Investment Details
₹5,000
₹500₹1,00,000
10%
6%18%
7 Years
1 Year25 Years
Investment Breakdown
Total₹6,09,792
Total Investment
₹4,20,000
Expected Returns
₹1,89,792

Total Investment

₹4,20,000

Expected Returns

₹1,89,792

Maturity Value

₹6,09,792

Investment vs Returns31.1% returns
Principal
Returns

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What is Hybrid SIP?

Hybrid SIP is a systematic investment in hybrid mutual funds that invest in both equity and debt instruments. These balanced funds offer the growth potential of equities while providing the stability of fixed-income securities. Hybrid funds are ideal for investors seeking moderate risk with reasonable returns.

The asset allocation in hybrid funds varies based on the fund category. Conservative hybrid funds allocate 10-25% to equity, while aggressive hybrid funds invest 65-80% in equities. This blend provides automatic diversification and rebalancing, making hybrid SIP a convenient choice for investors who want a mix of growth and stability.

How Hybrid SIP Returns are Calculated

Hybrid SIP returns are calculated using the compound interest formula. Due to the mixed asset allocation, expected returns typically range from 8-14% annually.

M = P × ((1 + r)^n – 1) / r) × (1 + r)

Example Hybrid SIP Calculation

  • Monthly Investment: ₹10,000
  • Duration: 10 years
  • Expected Return: 10% p.a.
  • Total Investment: ₹12,00,000
  • Maturity Value: ₹20,65,520
  • Total Returns: ₹8,65,520

Types of Hybrid Mutual Funds

  • Conservative Hybrid: 10-25% equity, lower risk, suitable for risk-averse investors
  • Balanced Hybrid: 40-60% equity, balanced risk-return profile
  • Aggressive Hybrid: 65-80% equity, higher growth potential with moderate risk
  • Dynamic Asset Allocation: Actively managed allocation based on market conditions
  • Multi Asset Allocation: Invests in equity, debt, and gold/commodities
  • Arbitrage Funds: Exploits price differences between markets, low risk

Benefits of Hybrid SIP

  • Automatic Diversification: Single fund provides exposure to both equity and debt
  • Lower Volatility: Debt component reduces overall portfolio fluctuations
  • Professional Rebalancing: Fund managers actively manage asset allocation
  • Suitable for Beginners: Simplified investing without managing multiple funds
  • Tax Efficiency: Aggressive hybrid funds taxed as equity for better tax treatment

Hybrid vs Pure Equity Funds

FactorHybrid FundsPure Equity
Risk LevelModerateHigh
Expected Returns8-14%12-18%
VolatilityLowerHigher
Best ForModerate risk investorsAggressive investors

Frequently Asked Questions

A good return on hybrid SIP ranges from 8-12% annually over the long term. Conservative hybrid funds typically deliver 6-9%, while aggressive hybrid funds can offer 10-14% returns. These returns are lower than pure equity but come with reduced volatility and risk.

Neither is universally better; it depends on your risk appetite. Hybrid funds suit moderate-risk investors seeking stable growth, while pure equity funds are for aggressive investors comfortable with higher volatility. For beginners or those near financial goals, hybrid funds are often more suitable.

Taxation depends on equity allocation. Aggressive hybrid funds (65%+ equity) are taxed as equity: 15% for short-term (held < 1 year) and 10% for long-term gains above ₹1 lakh. Conservative hybrid funds are taxed as debt with different rates.

Yes, most hybrid mutual funds allow SIP investments starting from ₹500 per month. Some funds may have a minimum of ₹1,000. This low barrier makes hybrid SIP accessible to all investors seeking balanced growth.

Balanced Advantage Funds (BAF) dynamically adjust equity allocation based on market valuations, offering better downside protection. Traditional hybrid funds maintain fixed allocation. BAF is better for uncertain markets, while hybrid funds suit those wanting consistent allocation.
Disclaimer

This calculator is provided for informational purposes only. The results are estimates and should not be considered as financial advice. Actual values may vary based on various factors. Please consult a certified financial advisor before making any financial decisions.

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