Mutual Fund Returns Calculator in Ahmedabad
Find out how your mutual fund (or any lump-sum investment) has actually performed. Enter what you invested, its current value and how long you have held it to see both the absolute return and the annualised CAGR — the apples-to-apples number you should compare across investments.
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How it's calculated
The formula
Absolute return = (current − invested) ÷ invested × 100. CAGR = [(current ÷ invested)^(1 ÷ years) − 1] × 100.
Assumptions
- A single lump-sum investment (for SIPs, use XIRR).
- Returns shown gross of exit load, expense ratio and tax.
- Holding period in whole years.
Sources
Real-world scenarios
See exactly how the numbers play out in the situations people actually face — so there are no surprises before you commit.
₹5 lakh grows to ₹9 lakh in 5 years
An investment of ₹5 lakh that becomes ₹9 lakh in five years has an 80% absolute return — but a CAGR of about 12.5% a year. CAGR is the number that matters, because it tells you the steady annual rate, comparable across any time period or fund.
Why absolute return is misleading
A 100% absolute return sounds spectacular until you learn it took 15 years — that is only about 4.7% a year, slower than an FD. Always convert headline gains to CAGR before judging a fund; it is the only fair, time-adjusted comparison.
Comparing two funds fairly
One fund up 60% over 4 years and another up 90% over 7 years — which is better? In CAGR terms, that is roughly 12.5% versus 9.6%, so the first wins. Use CAGR to cut through marketing and compare like with like.
Illustrative figures on standard reducing-balance / compounding assumptions — your actual numbers may vary.
Frequently asked questions
The details worth knowing before you rely on these numbers.
What is the difference between absolute return and CAGR?
Absolute return is the simple percentage gain over the whole period (gain ÷ invested). CAGR (Compound Annual Growth Rate) annualises it, smoothing the return into a per-year figure so you can compare investments held for different lengths of time.
How is CAGR calculated?
CAGR = (current value ÷ invested)^(1 ÷ years) − 1. For example, ₹5 lakh growing to ₹10 lakh in 6 years is a CAGR of about 12.2% a year.
Which return should I use to compare funds?
Use CAGR for lump-sum investments, since it accounts for the holding period. For SIPs with multiple dated investments, XIRR is the right measure because cash flows happen at different times.
What is a good CAGR for equity mutual funds?
Over long periods, diversified equity funds in India have delivered roughly 11%–13% CAGR, though returns vary year to year and are not guaranteed.
Does this account for taxes and exit load?
No — it shows gross returns. Your net return will be lower after any exit load, expense ratio and capital-gains tax.
What is XIRR and when should I use it?
XIRR (Extended Internal Rate of Return) is the annualised return when money goes in at different dates — exactly the case with a SIP, where each instalment has its own holding period. CAGR works for a single lump sum, but for SIPs or any staggered investing, XIRR is the accurate measure because it weighs each cash flow by when it happened.
Why doesn’t past performance predict future returns?
Markets move in cycles, so a fund’s strong recent CAGR often reflects a favourable period that may not repeat — which is why every mutual fund states that past performance is not indicative of future results. Use historical returns to understand consistency and risk, not as a promise; actual future returns are not guaranteed.
What is the difference between point-to-point and rolling returns?
A point-to-point return measures growth between two specific dates, so it can look very different depending on where those dates fall. Rolling returns average the return across many overlapping periods (say, every 5-year window), giving a fairer picture of how consistently a fund has performed rather than a single lucky or unlucky stretch.
Is this returns calculator free?
Yes — it is free, needs no sign-up, and runs entirely in your browser. Your inputs stay on your device unless you choose to speak with an Apex TechFin advisor.
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