Mutual Fund Returns Calculator — Track Your Investment Growth
Calculate actual returns on your mutual fund investments. See CAGR absolute returns XIRR for SIP and compare performance across different fund categories.
India has over 44 mutual fund houses managing Rs 60+ lakh crore in assets with thousands of schemes across equity debt and hybrid categories. Knowing how to calculate and compare returns is essential for making informed investment decisions. Our calculator helps you find CAGR for lumpsum investments XIRR for SIP investments and absolute returns for any time period allowing true apples-to-apples comparison across funds.
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SIP Calculator
Key Information
| Parameter | Details |
|---|---|
| Average Large Cap Return (10yr) | 12% - 14% CAGR |
| Average Mid Cap Return (10yr) | 15% - 18% CAGR |
| Average Small Cap Return (10yr) | 16% - 22% CAGR |
| Average Debt Fund Return | 6% - 8% CAGR |
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Use Calculator NowFrequently Asked Questions
What is CAGR and how to calculate it?
CAGR (Compound Annual Growth Rate) shows the smoothed annual return of an investment. Formula: CAGR = (Final Value / Initial Value)^(1/Years) - 1. If Rs 1 lakh grew to Rs 3 lakh in 8 years: CAGR = (3/1)^(1/8) - 1 = 14.7%. CAGR is the best way to compare funds across different time periods because it normalizes returns to a per-year basis.
What returns should I expect from mutual funds?
Realistic long-term expectations: Large cap index funds 11-13% CAGR over 10+ years. Flexi cap and multi cap funds 13-16% CAGR. Mid cap funds 14-18% CAGR with higher volatility. Small cap funds 15-22% CAGR with significant short-term swings. Debt funds 6-8% CAGR. These are pre-tax returns and actual results vary based on market conditions and fund selection.
How to compare mutual fund performance?
Compare funds within the same category using CAGR over identical periods (3-year 5-year 10-year). Check consistency (rolling returns) not just point-to-point returns. Compare against the benchmark index. Look at risk-adjusted returns (Sharpe ratio) not just raw returns. A fund returning 15% with lower volatility is better than one returning 16% with wild swings.
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Last updated: 24 March 2026