Mutual Fund Returns Calculator
Calculate mutual fund returns for both lumpsum and SIP investments
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
Balanced/Hybrid Funds
Historical averages
Debt Funds
Historical averages
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) × 1.01Result:
₹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.