Value or price at the start.
Value or price at the end (or today).
Years between the two values (decimals allowed).
Quick examples
From ₹1,00,000.00 to ₹1,75,000.00 over 5 years.
What each result means
Gain / loss
What it is: Ending minus starting value (× units if given).
Your value: ₹75,000
In rupees.
Absolute return
What it is: (End − start) ÷ start.
Your value: 75.00%
Ignores how long it took.
Annualised return (CAGR)
What it is: The steady yearly rate that links start and end.
Your value: 11.84%
Lets you compare different holding periods.
Year-by-year breakdown
| Year | Opening (₹) | Growth at CAGR (₹) | Total gain (₹) | Value on CAGR path (₹) |
|---|---|---|---|---|
| 1 | ₹1,00,000 | ₹11,843 | ₹11,843 | ₹1,11,843 |
| 2 | ₹1,11,843 | ₹13,245 | ₹25,088 | ₹1,25,088 |
| 3 | ₹1,25,088 | ₹14,814 | ₹39,902 | ₹1,39,902 |
How to read this: the rows show the smooth path the value would follow at exactly the CAGR every year. Real year-to-year values differ.
Showing the first 3 of 5 years. Want charts, formulas and the full schedule? Get the detailed PDF.
What this calculator does
This calculator turns a mutual fund investment's start and current value into absolute return and CAGR, the two figures fund factsheets use for one-time investments.
What your result means
This describes what already happened (or a hypothetical), not what will happen next. Past returns do not guarantee future results.
Formula
1. Absolute return
Symbols
- Start / End
- Starting and ending value
2. CAGR
Symbols
- t
- Years held
Worked example
₹100 → ₹200 in 6 years: 2^(1/6) − 1 ≈ 12.25%.
Common mistakes
Dividing absolute return by years. Using CAGR when money was added or withdrawn midway — use XIRR.
Working for your numbers
- Absolute = (₹1,75,000.00 − ₹1,00,000.00) ÷ ₹1,00,000.00 = 75.00%
- CAGR = (1.750000)^(1/5) − 1 = 11.8427%
Frequently asked questions
Should I use this for SIPs?
No — SIP money goes in at different dates, so use the XIRR calculator instead.
Does a past return predict the future?
No. Past performance does not guarantee future results.
When should I talk to a professional instead?
Before a real decision, especially a large or long-term one, speak to a SEBI-registered investment adviser or a qualified professional. This page is educational only.
Symbols and assumptions
- Start
- Amount invested
- End
- Current value
- t
- Years held
- No money added or withdrawn in between.
- Dividends or costs are not included unless built into the values.
- Does not account for taxes, fees, expense ratios or exit loads.
Sources and review
Reviewed 2026-09-29 · Next review 2027-09-29
Namaste! Did this Mutual Fund Returns help you?
Aapka ek click humein behtar banata hai. Just tap a star, no sign-in, no typing.
Help others become financially literate
Found this Mutual Fund Returns useful? Share it with your friends and family!
Related Calculators
SIP Calculator
Project the future value of a monthly Systematic Investment Plan.
Lumpsum Calculator
Calculate the future value of a one-time investment.
Step-Up SIP Calculator
SIP with an annual percentage increase in investment.
SWP Calculator
Plan fixed monthly withdrawals from your investment corpus.
XIRR Calculator
Calculate returns for irregular cash flows.
CAGR Calculator
Calculate the point-to-point annualized growth rate.
How it works
Calculates how much your mutual fund investment has grown based on buy and sell NAV.
The formula
Return = ((Current Value - Invested) / Invested) * 100- IV
- Invested Value
- CV
- Current Value
Worked example
₹50,000 invested becoming ₹75,000 in 2 years.
Pro tips
- Focus on long-term annualized returns.
Common mistakes
- Getting distracted by short-term absolute gains.
Go deeper
Related lessons
Concepts to explore
Related guides
Institutional grade calculations are illustrative and for educational wealth architecture. Results do not constitute investment advice.