Mutual Fund Returns Calculator
Work out the actual returns on a mutual fund investment you already hold, from the number of units, your purchase NAV, the current NAV, and how long you've held it — for evaluating an existing holding, not projecting future growth.
- 1Enter the number of units you hold
- 2Enter your purchase (buy) NAV and the current NAV
- 3Enter how many years you've held the investment
- 4Click Calculate to see invested amount, current value, absolute return, and CAGR
Inputs and outputs
Enter units held, buy NAV, current NAV and the holding period in years. The tool computes invested amount (units × buy NAV), current value (units × current NAV), absolute return in rupees and per cent, and the compound annual growth rate (CAGR).
Worked example
1,000 units bought at NAV 50 and now at NAV 80 after 5 years: invested Rs. 50,000, value Rs. 80,000, gain Rs. 30,000 (60%), and CAGR of about 9.86% a year.
When this figure is accurate
CAGR is correct for a single purchase held for the whole period. If you invested through a SIP or added money at different times, CAGR from one buy NAV overstates or understates your real return, and XIRR (which uses each cash flow's date) is the right measure. This tool does not accept multiple dates.
Not included
- Capital gains tax, which depends on fund type and holding period.
- Exit loads charged on early redemption.
- Dividends or IDCW payouts received during the period.
Use it to check what a past holding has delivered, or the lumpsum calculator to project forward.
Related Tools
SIP Calculator
Project the future value of a fixed monthly SIP (Systematic Investment Plan) in a mutual fund, from your monthly contribution, expected annual return, and investment period.
Lumpsum Calculator
Project the future value of a single one-time investment compounding at an expected annual rate of return over a chosen number of years — for money invested all at once rather than in monthly instalments.