Mutual Fund Calculator
Calculate mutual fund returns for both SIP (monthly) and lumpsum (one-time) investments with CAGR.
Total Invested
₹6,00,000
Returns
₹5,61,695
Maturity Value
₹11,61,695
CAGR
6.8%
Growth Over Time
₹11,61,695
| Year | Invested | Value |
|---|---|---|
| 1 | ₹60,000 | ₹64,047 |
| 2 | ₹1,20,000 | ₹1,36,216 |
| 3 | ₹1,80,000 | ₹2,17,538 |
| 4 | ₹2,40,000 | ₹3,09,174 |
| 5 | ₹3,00,000 | ₹4,12,432 |
| 6 | ₹3,60,000 | ₹5,28,785 |
| 7 | ₹4,20,000 | ₹6,59,895 |
| 8 | ₹4,80,000 | ₹8,07,633 |
| 9 | ₹5,40,000 | ₹9,74,108 |
| 10 | ₹6,00,000 | ₹11,61,695 |
| Year | Invested | Value | Gains |
|---|---|---|---|
| 1 | ₹60,000 | ₹64,047 | ₹4,047 |
| 2 | ₹1,20,000 | ₹1,36,216 | ₹16,216 |
| 3 | ₹1,80,000 | ₹2,17,538 | ₹37,538 |
| 4 | ₹2,40,000 | ₹3,09,174 | ₹69,174 |
| 5 | ₹3,00,000 | ₹4,12,432 | ₹1,12,432 |
| 6 | ₹3,60,000 | ₹5,28,785 | ₹1,68,785 |
| 7 | ₹4,20,000 | ₹6,59,895 | ₹2,39,895 |
| 8 | ₹4,80,000 | ₹8,07,633 | ₹3,27,633 |
| 9 | ₹5,40,000 | ₹9,74,108 | ₹4,34,108 |
| 10 | ₹6,00,000 | ₹11,61,695 | ₹5,61,695 |
What are Mutual Funds?
Mutual funds pool money from many investors and invest in a diversified portfolio of stocks, bonds, or other securities. They are managed by professional fund managers (AMCs). The three main types are equity funds (invest in stocks for high growth), debt funds (invest in bonds for stable returns), and hybrid funds (mix of both for balanced risk-reward).
SIP vs Lumpsum
SIP (Systematic Investment Plan) lets you invest a fixed amount every month. It is ideal for salaried individuals who want to build wealth gradually through rupee cost averaging — you buy more units when prices are low and fewer when prices are high.
Lumpsum is a one-time investment of a larger amount. It works best when you have a windfall (bonus, inheritance) or when the market is at a low point. In a consistently rising market, lumpsum can outperform SIP since the entire amount compounds from day one.
Understanding CAGR
CAGR (Compound Annual Growth Rate) is the annualised rate of return that shows how much your investment grew per year on average. Unlike absolute returns, CAGR accounts for the compounding effect and is the standard way to compare investment performance across different time periods. Formula: CAGR = ((Maturity / Invested)^(1/Years) - 1) x 100.
FAQ: Which is better — SIP or lumpsum?
SIP is better for regular investors who earn a monthly salary and want to invest consistently without timing the market. Lumpsum is better when you have a large amount to invest and the market valuations are reasonable or low. For most people, SIP is the safer and more disciplined choice.
FAQ: What is a good CAGR for mutual funds?
For equity mutual funds in India, a CAGR of 12-15% over 10+ years is considered good. Large-cap funds typically deliver 10-12%, while mid-cap and small-cap funds can deliver 15-18% with higher risk. Debt mutual funds usually deliver 7-8% CAGR, which is comparable to fixed deposits but with better tax efficiency.