म्यूचुअल फंड रिटर्न कैलकुलेटर
SIP या एकमुश्त निवेश के लिए म्यूचुअल फंड रिटर्न कैलकुलेट करें। CAGR, कुल रिटर्न और परिपक्वता मूल्य जानें।
उपयोग कैसे करें
- Toggle between SIP (monthly investment) and Lumpsum (one-time investment) mode.
- Enter your investment amount, expected annual return rate, and time period.
- The calculator shows your invested amount, estimated returns, and total maturity value.
फॉर्मूला
SIP: Maturity = P × ((1+r)ⁿ − 1) / r × (1+r) [r = annual rate/12/100, n = months]
Lumpsum: Maturity = P × (1 + R)ᵀ [R = annual rate/100, T = years]
CAGR = (Maturity / Invested)^(1/Years) − 1
उदाहरण गणना
Example: ₹10,000/month SIP at 12% p.a. for 10 years
| Parameter | Value |
|---|---|
| Monthly SIP | ₹10,000 |
| Return Rate | 12% p.a. |
| Period | 10 Years |
| Total Invested | ₹12,00,000 |
| Est. Returns | ₹11,23,391 |
| Total Value | ₹23,23,391 |
अक्सर पूछे जाने वाले प्रश्न
Equity mutual funds (large-cap) have delivered 12–14% CAGR over 10-year periods historically. Small-cap/mid-cap funds have delivered 15–18% CAGR. Debt funds typically deliver 6–8%. Past returns do not guarantee future performance.
SIP is better for salaried investors as it averages out market volatility (rupee cost averaging). Lumpsum is better when markets are at multi-year lows. For most investors, SIP is recommended due to its disciplined approach.
CAGR (Compound Annual Growth Rate) is the rate at which an investment grows from its beginning value to its ending value, assuming profits are reinvested each year. It smooths out year-over-year volatility.
LTCG (Long-term capital gains) on equity funds held >1 year: 12.5% on gains above ₹1.25 lakh/year. STCG (held ≤1 year): 20%. Debt fund gains are taxed at your income slab rate.
Yes! Many mutual funds accept SIP starting from ₹100 or ₹500 per month. Even small amounts compounded over 15–20 years can build significant wealth.
म्यूचुअल फंड में ऑनलाइन निवेश करें
निवेश शुरू करें →