Mutual Fund Returns Calculator
Calculate returns on your mutual fund investments for both SIP and lumpsum modes
Investment Parameters
Total Investment
Wealth Gained
CAGR (Compound Annual Growth Rate)
Year-wise Growth Projection
SIP vs Lumpsum: Which is Better?
SIP Advantages:
- • Rupee cost averaging benefits
- • Lower risk due to regular investments
- • Disciplined investing approach
- • Good for regular income earners
Lumpsum Advantages:
- • Potential for higher returns in bull markets
- • Entire amount starts compounding immediately
- • Suitable for windfall investments
- • Lower transaction costs
Understanding CAGR
CAGR (Compound Annual Growth Rate) is the rate at which your investment grows annually over time.
CAGR = (Ending Value / Beginning Value)^(1/n) - 1- • Smooth out volatility to show consistent growth rate
- • Better than simple average for comparing investments
- • Accounts for compounding effect over time
- • Industry standard for measuring fund performance
Frequently Asked Questions
What's the minimum investment amount for mutual funds?
Most mutual funds have a minimum SIP amount of ₹500-₹1,000 per month and lumpsum investment of ₹1,000-₹5,000. Some funds may have higher minimum amounts, especially for sectoral or thematic funds.
How accurate are these return projections?
These are estimated returns based on your expected annual return input. Actual mutual fund returns vary based on market performance, fund management, and economic conditions. Past performance doesn't guarantee future results.
Can I switch between SIP and lumpsum in the same fund?
Yes, you can have both SIP and lumpsum investments in the same mutual fund. You can start with one mode and add investments through the other mode later. Many investors use this strategy to balance regular investments with windfall amounts.