Mutual Fund Returns Calculator India
Calculate your mutual fund CAGR on lump-sum investments, XIRR on SIP returns using Newton-Raphson method, and compare your performance against NIFTY 50, bank FD, and inflation benchmarks. Updated for FY 2025-26 with Finance Act 2024 tax rates.
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How to Use This Calculator
My Returns (CAGR) tab
Enter your amount invested (original lump-sum investment), current value (today's market value), and investment period in years. The calculator shows your CAGR (annualised return) and absolute return. Use this to evaluate how well your mutual fund has performed over a given period.
SIP Returns (XIRR) tab
Enter your monthly SIP amount, number of months invested, and current portfolio value. The calculator computes the XIRR (Extended Internal Rate of Return) using the Newton-Raphson method, which is the mathematically correct way to measure SIP returns. It also shows total invested, profit, and absolute return.
Beat Benchmark? tab
Enter your fund's CAGR (from Tab 1 or your AMC statement). The calculator compares it against three key Indian benchmarks: NIFTY 50 (~12% CAGR), Bank FD (~7%), and Inflation (~6%). See instantly whether your fund is generating real wealth or underperforming the market.
Share your result
Every input is encoded in the URL. Click Share to send your exact scenario to a friend, financial advisor, or save it for later.
The Formula
Mutual fund returns can be measured using three different methods depending on the investment type:
CAGR = (Ending Value / Beginning Value)1/n − 1
Where:
Ending Value = Current market value of investment
Beginning Value = Original amount invested
n = Number of years
Absolute Return:
Absolute Return = (Current Value − Invested Amount) / Invested Amount × 100
XIRR (for SIP investments):
Find rate r such that: Σ [Ci / (1 + r)(di − d0) / 365] = 0
Where:
Ci = Cash flow at date di (negative for SIP payments, positive for redemption)
d0 = Date of first cash flow
r = XIRR rate (solved using Newton-Raphson iteration)
Benchmark Comparison:
NIFTY 50 long-term CAGR: ~12% (10-year historical average, NSE India)
Bank FD average: ~7% (SBI, HDFC, ICICI, March 2026)
CPI Inflation: ~6% (10-year average, RBI data)
CAGR is ideal for lump-sum investments. For SIP, always use XIRR because each instalment is invested on a different date, making simple CAGR inaccurate. The XIRR accounts for the exact timing and amount of every cash flow.
Example
Rahul — Mumbai IT professional, evaluating his mutual fund portfolio
Rahul is 32, works at a tech company in Mumbai. He has two mutual fund investments: a lump-sum of &rupee;2,00,000 made 5 years ago (now worth &rupee;3,50,000) and a SIP of &rupee;5,000/month for 36 months (current value &rupee;2,10,000). He wants to know his actual returns and whether he's beating the market.
Step 1: Calculate CAGR on lump-sum investment
Step 2: Calculate XIRR on SIP investment
Step 3: Compare against benchmarks
Rahul's lump-sum investment has a CAGR of 11.84%, close to the NIFTY 50 average. His SIP XIRR of ~10.2% is slightly lower but still beats FD rates and inflation. Both investments are generating real wealth. He could consider switching to a direct plan to save 0.5-1% in expense ratio, which compounds significantly over 10+ years.