# SIF Calculator (Specialised Investment Fund)

> Free SIF calculator. Check the ₹10 lakh minimum for SEBI's Specialised Investment Funds and compare the value after costs with a regular mutual fund and a PMS for the same investment.

**Specialised Investment Funds (SIFs)** are SEBI's newer product between mutual funds and PMS, with a **₹10 lakh minimum**. Check if your amount qualifies and compare what the same money could become in a SIF, a mutual fund and a PMS after their yearly costs.

Use the free tool here: https://saraltools.in/sif-calculator/

## Where SIFs fit

Until 2025, investors chose between mutual funds (low minimum, standard strategies) and PMS (₹50 lakh minimum, custom strategies). SEBI's Specialised Investment Fund framework adds a middle option: run by mutual fund houses, with a ₹10 lakh minimum and room for strategies such as long-short equity, sector rotation or active debt that ordinary funds cannot use.

## What this calculator shows

All three options start with the same amount and the same gross return. Each year the product's cost is taken off the return. The difference in the final values is purely the effect of costs, so you can see what a higher fee really costs over the years.

## Before investing in a SIF

- Read the strategy's information document: SIFs can take more risk than regular funds.
- Check how often you can redeem; some strategies allow it only weekly or less often.
- Keep the investment for the strategy's suggested period.

For regular investing, see the [SIP calculator](https://saraltools.in/sip-calculator/) and [lumpsum calculator](https://saraltools.in/lumpsum-calculator/).

## Frequently asked questions

### What is a SIF?

A Specialised Investment Fund is a product launched under SEBI rules from April 2025 and run by mutual fund houses. It can use strategies that ordinary mutual funds cannot, such as more flexible long-short equity or debt strategies, and is meant for investors with more money and risk appetite.

### What is the minimum investment in a SIF?

₹10 lakh per investor across the SIF strategies of a fund house, checked at PAN level. Accredited investors are exempt. Once you meet the minimum, many SIFs allow SIP, SWP and STP.

### How is a SIF taxed?

SIFs work under the mutual fund structure, so they are taxed like mutual funds: by the type of strategy (equity-oriented or not) and how long you hold. Tax is due only when you redeem, unlike PMS where each trade in your account can create tax.

### Which return should I assume?

SIF strategies are new and their returns are not known yet. Use the same gross return for all three options; the calculator then shows only the effect of costs and minimums.

## Related tools

- [SIP Calculator](https://saraltools.in/sip-calculator/): Estimate mutual fund SIP value, with optional yearly step-up.
- [Lumpsum Calculator](https://saraltools.in/lumpsum-calculator/): What a one-time mutual fund investment could grow to, in today's money too.
- [SWP Calculator (Systematic Withdrawal Plan)](https://saraltools.in/swp-calculator/): Monthly income from your corpus: how long it lasts and the safe amount.
- [SIP to SWP Calculator](https://saraltools.in/sip-swp-calculator/): SIP now, monthly pension later: corpus and the income it can pay.
- [STP Calculator (Systematic Transfer Plan)](https://saraltools.in/stp-calculator/): Park a lumpsum in a liquid fund and move it to equity month by month.
- [SIP vs Lumpsum vs STP Calculator](https://saraltools.in/sip-vs-lumpsum-calculator/): Same money, three ways to invest it: compare the final values.

Last updated: 2026-11-01

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SaralTools (https://saraltools.in/): Free Indian calculators, document makers and photo tools. Contact: help@saraltools.in. Results are estimates, not tax, legal or financial advice.