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Mutual Fund Calculator - Calculate MF Returns & Growth

Calculate returns on your mutual fund investments. Compare SIP vs lumpsum, analyze fund performance, and make informed investment decisions.

Mutual Fund Returns Calculator

₹500 ₹1L
Minimum SIP: ₹500 for most funds
1% 30%
Equity: 12-15%, Debt: 6-8%, Hybrid: 8-12%
1 Year 30 Years
Longer periods benefit from compounding
0.1% 3%
Annual fund management charges

Your Mutual Fund Investment Results

₹38,43,058 Total Corpus Value

SIP Investment

Monthly: ₹10,000

Total: ₹12,00,000

Value: ₹38,43,058

Total Investment
₹12,00,000
Total Gains
₹26,43,058
Return %
220.3%
Net Annual Return
10.5%
CAGR
12.0%
Total Return Multiple
3.2x

Tax Implications

Fund Type: Equity

LTCG Tax: 10% on gains above ₹1 lakh

Taxable Gains: ₹25,43,058

Tax Amount: ₹2,54,306

Post-tax Gains: ₹23,88,752

Fund Categories & Returns

Large Cap 10-12%
Mid Cap 12-15%
Small Cap 15-18%
Debt Funds 6-8%
Liquid Funds 4-6%
*Historical average returns

Related Calculators

MF Investment Tips

  • Start with SIP for rupee cost averaging
  • Diversify across fund categories
  • Review portfolio quarterly
  • Stay invested for long term
  • Choose direct plans for lower costs
  • Monitor expense ratios regularly

Understanding Mutual Funds

Mutual funds pool money from multiple investors to invest in securities like stocks, bonds, and other assets. Professional fund managers allocate the fund's assets and attempt to produce capital gains or income for investors.

Types of Mutual Funds

Equity Funds

Invest primarily in stocks. Higher risk and return potential.

  • Large Cap: Top 100 companies
  • Mid Cap: 101-250 ranked companies
  • Small Cap: 251+ ranked companies
  • Multi Cap: Mix of all market caps

Debt Funds

Invest in fixed income securities. Lower risk, stable returns.

  • Liquid Funds: Very short term
  • Short Duration: 1-3 years
  • Medium Duration: 3-4 years
  • Long Duration: 7+ years

Hybrid Funds

Mix of equity and debt. Balanced risk-return profile.

  • Aggressive: 65-80% equity
  • Conservative: 10-25% equity
  • Balanced: 40-60% equity
  • Dynamic: Asset allocation changes

SIP vs Lumpsum Investment

Aspect SIP Lumpsum
Investment Amount Small regular amounts Large one-time amount
Market Timing Rupee cost averaging Timing dependent
Risk Lower due to averaging Higher market risk
Discipline Enforces regular saving One-time decision
Best For Salaried individuals Windfall gains/bonus

Mutual Fund Taxation

Equity Funds

STCG: 15% (holding < 1 year)

LTCG: 10% above ₹1 lakh (holding > 1 year)

Debt Funds

STCG: As per slab rate

LTCG: 20% with indexation (> 3 years)

ELSS Funds

Deduction: Up to ₹1.5 lakh u/s 80C

Lock-in: 3 years mandatory

Key Metrics to Evaluate Funds

  • Returns: 1-year, 3-year, 5-year CAGR performance
  • Expense Ratio: Lower is better (Direct < Regular plans)
  • AUM: Assets Under Management indicates fund size and stability
  • Exit Load: Penalty for early withdrawal (usually 1% if withdrawn within 1 year)
  • Risk Ratios: Sharpe ratio, Alpha, Beta for risk-adjusted returns
  • Portfolio Quality: Top holdings and sector allocation

Mutual Fund Calculator - FAQ

What is the minimum investment in mutual funds?

Most mutual funds allow SIP starting from ₹500 per month. For lumpsum, the minimum is typically ₹5,000. Some funds may have different minimums.

Are mutual fund returns guaranteed?

No, mutual fund returns are market-linked and not guaranteed. Past performance doesn't guarantee future returns. Choose funds based on your risk profile.

Direct vs Regular plans?

Direct plans have lower expense ratios (0.5-1% less) as there's no distributor commission. Over long term, this difference can significantly impact returns.

How are mutual funds taxed?

Taxation depends on fund type and holding period. Equity funds held over 1 year qualify for LTCG tax of 10% on gains above ₹1 lakh per year.

Can I withdraw anytime?

Open-ended funds allow withdrawal anytime (except ELSS with 3-year lock-in). Some funds may have exit load if withdrawn within specified period.

Which fund category is best?

It depends on your risk profile, investment horizon, and goals. Young investors can consider equity funds, while conservative investors may prefer debt or hybrid funds.

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