Mutual Fund Returns Calculator
Calculate mutual fund returns for both lumpsum and SIP investments
Total value
₹23,23,391
- Total investment
- ₹12,00,000
- Estimated returns
- ₹11,23,391
- Total value
- ₹23,23,391
| year | investment | returns | total_value |
|---|---|---|---|
| 1 | 1,20,000 | 8,093.28 | 1,28,093.28 |
| 2 | 1,20,000 | 24,338.71 | 2,72,432 |
| 3 | 1,20,000 | 42,644.48 | 4,35,076.47 |
| 4 | 1,20,000 | 63,271.87 | 6,18,348.34 |
| 5 | 1,20,000 | 86,515.33 | 8,24,863.67 |
| 6 | 1,20,000 | 1,12,706.64 | 10,57,570.31 |
| 7 | 1,20,000 | 1,42,219.67 | 13,19,789.97 |
| 8 | 1,20,000 | 1,75,475.68 | 16,15,265.65 |
| 9 | 1,20,000 | 2,12,949.4 | 19,48,215.05 |
| 10 | 1,20,000 | 2,55,175.71 | 23,23,390.76 |
What this calculator does
Calculate returns for both lumpsum and SIP investments in mutual funds. Helps estimate future value based on expected returns.
How it is calculated
\begin{aligned} &\text{SIP: } FV = P \times \frac{[(1 + r)^n - 1]}{r} \times (1 + r) \\ &\text{Lumpsum: } FV = P \times (1 + r)^t \end{aligned}For SIP: P = monthly investment, r = monthly return rate, n = number of months. For lumpsum: FV = P × (1 + r)^t
Worked example
SIP of ₹10,000 monthly for 10 years at 12% p.a.
Monthly rate ~1%, FV = 10,000 × ((1.01^120 - 1)/0.01) × 1.01
₹23.23 lakh (Investment: ₹12 lakh, Gains: ₹11.23 lakh)
- 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 and compliance notes
- 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)
Current rates
Equity MF (Large Cap) - 5 year returns
19-21% CAGR
Source: NPS Trust data, Nov 2025
Balanced/Hybrid Funds
10-12% CAGR (typical)
Source: Historical averages
Debt Funds
7-9% CAGR (typical)
Source: Historical averages
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