What is ROI?

Return on Investment (ROI) is a performance measure that evaluates the efficiency of an investment. It's expressed as a percentage and shows how much profit you make relative to your investment amount. ROI = (Gain / Investment) × 100. For example, if you invest ₹1,00,000 and make ₹25,000 profit, your ROI is 25%.

Formula: ROI = ((Final Value - Initial Investment) / Initial Investment) × 100

Why ROI Matters

  • Compare Investments: Compare different investments fairly using percentage returns
  • Measure Performance: Track how well your portfolio is performing
  • Decision Making: Decide whether to continue or exit an investment
  • Standardized Metric: Different investments can be compared on same basis

ROI Examples

  • Stock Investment: Buy ₹50,000, sell for ₹75,000 → ROI = 50%
  • Real Estate: Buy property for ₹50 lakhs, rent earns ₹5 lakhs/year → Annual ROI = 10%
  • Mutual Fund: Invest ₹2 lakhs, grow to ₹3 lakhs in 3 years → ROI = 50%

Limitations of ROI

  • Doesn't account for time period (50% in 1 year vs 5 years is very different)
  • Doesn't account for risk
  • Doesn't account for reinvestment of returns
  • For longer investments, CAGR (Compound Annual Growth Rate) is better

Calculate ROI

Initial Investment (₹)₹1,00,000
₹1K₹1L₹10L₹1Cr
Final Value (₹)₹1,50,000
₹1K₹1L₹10L₹1Cr

Results

Initial Investment
₹1,00,000
invested
Final Value
₹1,50,000
current value
Profit/Gain
₹50,000
absolute gain
ROI
50%
return percentage

Your ROI Summary: On an initial investment of ₹1,00,000 that grew to ₹1,50,000, your ROI is 50%, meaning you earned 50% return on your investment amount.

How to Calculate ROI

Step-by-step guide

1

Understand ROI Formula

ROI = ((Final Value - Initial Investment) / Initial Investment) × 100

2

Note Your Amounts

Initial Investment: ₹1,00,000, Final Value: ₹1,50,000

3

Calculate Gain

Gain = Final Value - Initial = 1,50,000 - 1,00,000 = ₹50,000

4

Divide by Initial

50,000 / 1,00,000 = 0.5

5

Multiply by 100

0.5 × 100 = 50% ROI

6

Interpret Results

50% ROI means you doubled your investment growth