How to use this SIP Portfolio Doctor

The SIP Portfolio Doctor is a goal-funding diagnostic rather than another simple SIP future-value page. It converts today's goal cost into a future target using the inflation assumption, grows the existing corpus and ongoing SIP under three return scenarios, and then solves for the additional monthly contribution required in the base scenario.

1. Enter factsReplace sample values with your portfolio, goal or market data.

2. Check assumptionsReturn, inflation, tax, cost and stress inputs remain visible.

3. Read the stress caseDo not rely on the base result alone when downside scenarios are available.

Calculation logic

Goal cost is compounded by the entered inflation rate for the selected horizon. Portfolio growth is calculated month by month with contributions added at month-end and annual SIP step-up applied at each completed year. The additional SIP is solved numerically; the solver expands its search range until the target is actually attainable, then uses binary search to converge rather than returning an arbitrary upper bound.

Worked interpretation

A goal costing ₹30 lakh today may be much larger after 12 years of inflation. The useful question is therefore not whether a ₹25,000 SIP becomes a certain corpus, but whether that corpus is enough for the inflated goal. The tool shows funding percentage, shortfall or surplus and the extra SIP needed under the stated base case.

What this result does not prove

A return assumption is not a forecast. Different asset classes, funds, costs, taxes and sequence of returns can materially change the outcome. The tool currently works at portfolio-total level; it does not claim that a particular mutual fund or category will earn the chosen rate. If users import actual scheme data later, it should be governed by an effective date and official-source manifest.

Integrity rule: a calculation can be mathematically correct and still be decision-inappropriate if the inputs, source date or model assumptions are wrong. Finin2min therefore keeps model assumptions visible and avoids converting the result into a security recommendation.

Methodology, data and limitations

This Finin2min tool separates calculation from recommendation. Inputs, return assumptions and stress parameters remain visible and editable. Results are educational scenarios, not forecasts or suitability advice.

Data integrity: do not silently ship stale market/fund data. When the page uses imported official data, retain source authority, effective date, retrieval timestamp, parser version and SHA-256 in the investment data manifest.

Regulatory currentness: the 20 March 2026 SEBI Master Circular states that it consolidates relevant mutual-fund circulars only through 20 March 2026. The source panel therefore also links the Mutual Funds Regulations, 2026 as last amended on 7 July 2026 and the SEBI circulars index for post-Master-Circular developments.

Primary / official references

Questions & answers

What does the SIP Portfolio Doctor calculate?

The SIP Portfolio Doctor is a goal-funding diagnostic rather than another simple SIP future-value page. It converts today's goal cost into a future target using the inflation assumption, grows the existing corpus and ongoing SIP under three return scenarios, and then solves for the additional monthly contribution required in the base scenario.

What assumptions drive the result?

Goal cost is compounded by the entered inflation rate for the selected horizon. Portfolio growth is calculated month by month with contributions added at month-end and annual SIP step-up applied at each completed year. The additional SIP is solved numerically; the solver expands its search range until the target is actually attainable, then uses binary search to converge rather than returning an arbitrary upper bound.

Can I treat the result as a forecast or recommendation?

No. The output is an educational scenario generated from the values entered. It does not predict market returns, recommend a security or establish suitability for an individual investor.

How should I handle market or mutual-fund data?

Use a current, complete dataset with a recorded effective date. Where the page requires imported scheme, NAV, TER, portfolio or industry data, Finin2min should publish or retain the source authority, retrieval date, parser version and file hash.

What are the main limitations?