Mutual Fund Return Calculator
Calculate mutual fund returns for lump sum and SIP investments
Investment Details
Enter investment details and click Calculate
Total Value at Maturity
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Total Invested
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Estimated Returns
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Invested vs Returns
Invested
Returns
| Year | Invested | Returns | Total Value |
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How to Use
- Select Lump Sum or SIP mode using the tabs at the top.
- Lump Sum: Enter Investment Amount, Expected Annual Return (%), and Investment Period (years).
- SIP: Enter Monthly SIP Amount, Expected Annual Return (%), and Investment Period (years).
- Click Calculate to see invested amount, estimated returns, and total value.
- The year-wise growth table shows how your investment compounds over time.
Lump Sum vs SIP — Which is Better?
Both approaches have merit. Lump sum works better in a confirmed bull market — you're fully invested from day one. SIP is better for most investors — it eliminates timing risk through rupee cost averaging, buying more units when markets fall and fewer when they rise.
Historical Returns by Category (10-year CAGR)
| Fund Category | 10-yr CAGR (approx.) | Risk |
|---|---|---|
| Large Cap Funds | 12–14% | Moderate |
| Mid Cap Funds | 14–18% | High |
| Small Cap Funds | 16–22% | Very High |
| Flexi Cap Funds | 13–16% | Moderate-High |
| Debt Funds | 6–8% | Low |
| Hybrid Funds | 10–13% | Moderate |
Important Notes
- Returns are illustrative — mutual funds are subject to market risk. Past returns do not guarantee future performance.
- For long-term goals (10+ years), equity funds have historically beaten inflation and FD returns significantly.
- LTCG (Long Term Capital Gains) tax of 12.5% applies on equity fund gains above ₹1.25L per year (held 1+ year). STCG is 20%.
- Use SEBI-registered investment platforms or financial advisors for actual investments.
Frequently Asked Questions
Historical 10-year SIP returns for large cap funds in India have ranged from 12–15% CAGR. Mid/small cap funds have delivered 14–20% but with much higher volatility. For planning purposes, use 10–12% for equity (conservative), 13–15% for mid-cap. Debt funds: 6–8%. Never use returns above 15% for long-term planning — market cycles mean some periods will underperform. Always stress-test with a lower rate (8–10%) as a worst case.
Absolute return = (Current Value - Invested) / Invested × 100. This ignores time. CAGR annualises the return. Example: ₹1L grew to ₹1.5L over 5 years. Absolute return = 50%, but CAGR = (1.5)^(1/5) - 1 = 8.45% p.a. For SIPs, XIRR is more accurate than CAGR because multiple cash flows at different times are involved.
In a SIP, you invest a fixed amount monthly. When markets fall, your fixed amount buys more units; when markets rise, fewer units. Over time, your average purchase cost is lower than the average NAV — this is rupee cost averaging. It reduces the risk of investing a large sum at market peak and removes the need to 'time the market.'
Each SIP instalment is treated as a separate investment with its own purchase date. LTCG applies when each instalment completes 1 year of holding (for equity funds). LTCG tax = 12.5% on gains above ₹1.25L per financial year. When you redeem, units are redeemed on FIFO (First In, First Out) basis — your oldest SIP units are redeemed first, which is often fully long-term.