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Mutual Fund Returns Calculator

Calculate mutual fund returns for both lumpsum and SIP investments

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Mutual Fund Investment Details

₹
12%
10 Years
0%

Mutual Fund Returns

Enter investment details to see your mutual fund returns

Mutual Fund Returns Calculator

Calculate returns for both lumpsum and SIP investments in mutual funds. Helps estimate future value based on expected returns.

Formula

For SIP: P = monthly investment, r = monthly return rate, n = number of months. For lumpsum: FV = P × (1 + r)^t

Current Rates (2025)

Equity MF (Large Cap) - 5 year returns

NPS Trust data, Nov 2025

19-21% CAGR

Balanced/Hybrid Funds

Historical averages

10-12% CAGR (typical)

Debt Funds

Historical averages

7-9% CAGR (typical)

Example Calculation

Scenario:

SIP of ₹10,000 monthly for 10 years at 12% p.a.

Calculation:

Monthly rate ~1%, FV = 10,000 × ((1.01^120 - 1)/0.01) × 1.01

Result:

₹23.23 lakh (Investment: ₹12 lakh, Gains: ₹11.23 lakh)

Key Points

  • •SIP provides rupee cost averaging, reducing timing risk
  • •Equity funds suitable for goals >5 years, debt funds for shorter horizons
  • •Past performance doesn't guarantee future returns
  • •Diversification across fund categories reduces risk
  • •Direct plans have lower expense ratios than regular plans

Tax Implications:

  • •Equity-oriented MF (post Budget 2024): LTCG at 12.5% with ₹1.25 lakh exemption, STCG at 20%
  • •Debt mutual funds: Taxed at slab rates (no indexation benefit for units bought after April 1, 2023)
  • •LTCG holding period: >12 months for equity, >36 months for debt (old units)
  • •Each SIP installment is treated separately for tax calculation (FIFO method)
Disclaimer: The calculations and information provided are estimates based on the inputs provided and current rates as of November 2025. Actual results may vary. Interest rates, tax laws, and regulations are subject to change. Please consult with a qualified financial advisor or tax professional for personalized advice.