Mutual Fund Returns Calculator

Calculate returns on your mutual fund investments including lump sum and SIP options. Analyze performance, compare funds, and make informed investment decisions.

Mutual Fund Details

Investment Type Lump Sum
Fund Category Equity
Investment Amount ₹1,00,000
₹
₹1,000 ₹12.5L ₹25L ₹37.5L ₹50L
Investment Period 5 years
years
1 year 8 years 15 years 22 years 30 years
Expected Annual Returns 12%
%
1% 8% 15% 22% 30%
Typical returns: Equity: 10-15%, Debt: 6-8%, Hybrid: 8-12%
Expense Ratio 1.5%
%
Typical expense ratios: Direct: 0.5-1%, Regular: 1.5-2.5%
Estimated Value
₹1,76,234
Total Investment
₹1,00,000
₹76,234
Wealth Gained
76.23%
Absolute Return
12%
CAGR

Expense Ratio Impact

Direct Plan (1%)
₹1,80,611
+₹4,377 more
Your Plan (1.5%)
₹1,76,234
Current
Regular Plan (2%)
₹1,71,892
-₹4,342 less

Year-wise Growth

Year Investment Value Returns CAGR

Fund Category Comparison

Equity Funds

12-15%

Higher risk, higher returns. Suitable for long-term goals (5+ years).

Debt Funds

6-8%

Lower risk, stable returns. Suitable for short-term goals (1-3 years).

Hybrid Funds

8-12%

Balanced risk-return. Suitable for moderate risk investors.

About Mutual Fund Returns Calculator

The Mutual Fund Returns Calculator helps you estimate the potential growth of your mutual fund investments. Whether you're investing a lump sum amount or through SIP (Systematic Investment Plan), this calculator provides detailed projections and insights.

Key Factors Affecting MF Returns

Expense Ratio

The annual fee charged by the fund house to manage your investment. Lower expense ratios lead to higher net returns.

Investment Horizon

Longer investment periods allow compounding to work effectively, potentially generating higher returns.

Fund Performance

Historical performance, though not indicative of future results, provides insights into fund management quality.

Market Conditions

Economic factors, interest rates, and market sentiment significantly impact mutual fund returns.

Types of Mutual Fund Investments

Lump Sum Investment

Investing a large amount at once. Suitable when you have surplus funds and market timing is favorable.

Formula: FV = PV × (1 + r)^n

SIP (Systematic Investment Plan)

Investing fixed amounts regularly. Benefits from rupee cost averaging and compounding over time.

Formula: FV = P × [((1 + r)^n - 1) / r] × (1 + r)

Step-up SIP

SIP amount increases annually by a fixed percentage. Ideal for growing income and increasing investments systematically.

Formula: Complex calculation based on annual increments

Tax Implications

Short Term Capital Gains (STCG)

  • Equity Funds: 15% if sold within 1 year
  • Debt Funds: Added to income, taxed as per slab if sold within 3 years

Long Term Capital Gains (LTCG)

  • Equity Funds: 10% over ₹1 lakh exemption, if held over 1 year
  • Debt Funds: 20% with indexation, if held over 3 years

Dividend Distribution Tax (DDT)

  • Equity Funds: 10% + cess + surcharge
  • Debt Funds: As per investor's tax slab
Note: Mutual fund investments are subject to market risks. Past performance is not indicative of future results. Read all scheme related documents carefully before investing. The calculator provides estimates based on your inputs and assumed returns. Actual returns may vary.

What is the difference between direct and regular mutual funds?

Direct plans have lower expense ratios as they bypass distributor commissions. Regular plans have higher expense ratios that include distributor commissions, but offer advisory services.

How is CAGR different from absolute returns?

Absolute returns show total percentage gain over the entire period. CAGR (Compound Annual Growth Rate) shows the annualized growth rate that would be required to achieve the final value from the initial investment.

What is the impact of expense ratio on returns?

A 1% higher expense ratio can reduce your final corpus by 15-20% over 20 years due to the power of compounding. Always compare expense ratios before investing.

Is SIP better than lump sum investment?

SIP helps in rupee cost averaging and reduces the impact of market volatility. Lump sum can generate higher returns if invested at the right time. A combination of both often works best.

How are mutual fund returns taxed?

Taxation depends on fund type and holding period. Equity funds: 15% STCG (less than 1 year), 10% LTCG over ₹1 lakh (more than 1 year). Debt funds: Added to income if less than 3 years, 20% with indexation if more than 3 years.

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