Mutual Fund Returns Calculator
Compare SIP vs lumpsum returns for any mutual fund scenario.
Final Value
₹75.69 L
₹15,000 monthly · 15yr · 12%
Invested
₹27.00 L
Returns
₹48.69 L
Total
₹75.69 L
Value Over Time
Year-wise Breakdown
| Year | Invested | Returns | Value |
|---|---|---|---|
| Yr 1 | ₹1.80 L | ₹12.14 K | ₹1.92 L |
| Yr 2 | ₹3.60 L | ₹48.65 K | ₹4.09 L |
| Yr 3 | ₹5.40 L | ₹1.13 L | ₹6.53 L |
| Yr 4 | ₹7.20 L | ₹2.08 L | ₹9.28 L |
| Yr 5 | ₹9.00 L | ₹3.37 L | ₹12.37 L |
| Yr 6 | ₹10.80 L | ₹5.06 L | ₹15.86 L |
| Yr 7 | ₹12.60 L | ₹7.20 L | ₹19.80 L |
| Yr 8 | ₹14.40 L | ₹9.83 L | ₹24.23 L |
| Yr 9 | ₹16.20 L | ₹13.02 L | ₹29.22 L |
| Yr 10 | ₹18.00 L | ₹16.85 L | ₹34.85 L |
| Yr 11 | ₹19.80 L | ₹21.39 L | ₹41.19 L |
| Yr 12 | ₹21.60 L | ₹26.74 L | ₹48.34 L |
| Yr 13 | ₹23.40 L | ₹32.99 L | ₹56.39 L |
| Yr 14 | ₹25.20 L | ₹40.26 L | ₹65.46 L |
| Yr 15 | ₹27.00 L | ₹48.69 L | ₹75.69 L |
Mutual Fund Returns Calculator visual insights
Future value
₹50.46 L
Growth
₹32.46 L
How to Use This Calculator
Enter Amount
Set your loan amount or investment using the slider or input field.
Set Rate & Tenure
Adjust the interest rate and time period to match your scenario.
Get Results
See your EMI, total interest, and full payment breakdown instantly.
Share & Plan
Share the result link or download the amortization schedule as PDF.
About Mutual Fund Returns Calculator
Mutual Fund Returns Calculator helps you estimate investment growth, required contribution, annualised return, and future corpus using India-focused assumptions and INR formatting. Compare SIP vs lumpsum returns for any mutual fund scenario.
This tool is useful for Indian investors planning SIPs, mutual funds, deposits, inflation-adjusted goals, and portfolio returns. It is designed for quick planning before comparing bank offers, investment options, tax choices, or scheme rules with a qualified professional.
The calculations are tailored for users in India and use Indian number formatting, rupee values, and locally relevant finance terms wherever applicable.
Results are estimates for education and planning. Final decisions should use official documents, lender statements, scheme rules, tax notices, or advice from a qualified professional.
Frequently Asked Questions
How are mutual fund returns calculated?
Returns are calculated via NAV change — (current NAV − purchase NAV) / purchase NAV × 100. For time-spanning returns, use CAGR. For SIPs, use XIRR because investments happen at different points. This calculator uses CAGR for both modes.
How are mutual funds taxed in India?
Equity MFs (>65% in Indian equity): STCG (≤12 m) at 20%, LTCG (>12 m) at 12.5% above ₹1.25 lakh per FY. Debt MFs (after April 2023): gains fully taxed at slab rate regardless of holding. SWP gains follow the same rule.
What is the difference between direct and regular mutual funds?
Direct plans have lower expense ratio (no distributor commission) — typically 0.5-1% less. Over 20 years this adds 12-20% to your corpus. Use direct plans via AMC websites, MF Central, or platforms like Groww/Coin.
How do I choose a good mutual fund?
Look at 5-10 year CAGR vs benchmark, consistency of returns (not just one year), fund manager tenure, AUM stability, and expense ratio. For beginners: index funds tracking Nifty 50 or Nifty Next 50 are low-cost, diversified starting points.
Is it safe to invest in mutual funds during a market crash?
Historical data shows lumpsum investments at market lows have delivered the highest long-term CAGR. SIP buyers benefit most during falling markets (rupee-cost averaging). Don't stop SIPs during a crash — that locks in losses.
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Methodology & Formulas
All formulas used here comply with RBI guidelines and standard Indian financial conventions. Calculators are updated for FY 2026–27.
Last updated: April 2026