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Yah calculator sirf estimation ke liye hai, compound interest formula par aadharit — aur SIP ke case mein returns monthly compounding maan kar nikale jaate hain. Yah kisi mutual fund scheme ki guaranteed return nahi hai. Actual returns market conditions par nirbhar karte hain aur ghat-badh sakte hain. Nivesh se pehle apne financial advisor se salah lein.