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Mutual Fund Returns Calculator

Enter what you invested (or the units you hold), the NAV you bought at and today's NAV. The calculator shows what the holding is worth, the gain, the absolute return and the annualised return, and estimates the capital gains tax if you redeem today.

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Calculator and results

2,000.000 units bought for ₹1,00,000 are worth ₹1,50,000 after 3 years: a gain of ₹50,000, an absolute return of 50% or 14.47% a year (CAGR). No capital gains tax is estimated on redeeming now, as the gain is within the ₹1,25,000 yearly exemption.

Decides how the gain is taxed.

₹
₹

The NAV your units were allotted at, from your statement.

₹

Published each business day by the fund house and on AMFI's website.

months
%

Enter your fund's exit load if you are still within its exit-load period, otherwise 0.

Current value

₹1,50,000

2,000.000 units

Gain

₹50,000

on ₹1,00,000 invested

Absolute return

50%

over 3 years

CAGR

14.47%

a year, compounded

Estimated tax

₹0

Long-term gain, 12.5% + cess

Value after tax

₹1,50,000

14.47% a year after tax

The estimate deducts ₹50,000 under the ₹1,25,000 yearly exemption on long-term equity gains. If other long-term gains this year have used it, the tax will be higher.

Saved scenarios stay in this browser only. No sign-up.

Current value

₹1,50,000

CAGR 14.47%
What it is:
A calculator for the return on a lumpsum mutual fund investment from its purchase and current NAV.
What it calculates:
Current value, gain, absolute return, CAGR, exit load and an estimate of capital gains tax on redemption.

Key Assumptions

  • All units were bought on one date at one NAV; for SIPs or top-ups use XIRR.
  • Equity-fund tax assumes none of the ₹1,25,000 yearly long-term exemption has been used by other gains this year.
  • Debt-fund tax applies to units bought on or after 1 April 2023; older units can be taxed differently.
  • Stamp duty on purchase, STT on redemption of equity funds and any surcharge are not included.

How does the Mutual Fund Returns Calculator work?

Units = amount invested / purchase NAV (or enter units directly). Current value = units x current NAV.

The exit load you enter is taken as a percentage of the redemption value and deducted from it. Check the fund's scheme information document or factsheet for its exit load and the period it applies to.

Absolute return is the gain over the amount invested. CAGR spreads that over the holding period as a constant yearly rate, which suits a single lumpsum. For SIPs or several purchases, use the XIRR calculator instead.

Tax uses the same rules as our capital gains calculator. Equity funds held for more than 12 months: long-term gains above ₹1,25,000 a year are taxed at 12.5%; held for 12 months or less: 20%. Debt funds bought on or after 1 April 2023 are taxed at your slab rate whatever the holding period. 4% cess is added.

Worked example: ₹1,00,000 invested at a NAV of ₹50 buys 2,000 units. Three years later the NAV is ₹80, so the holding is worth ₹1,60,000. The absolute return is 60% and the CAGR is about 17% a year. In an equity fund the ₹60,000 gain is long-term and within the ₹1,25,000 yearly exemption, so no tax is due if it is your only equity gain that year.

This calculator works from NAVs for a single investment. For a SIP, where money went in on many dates, the XIRR Calculator gives the right annualised return. To project future value instead, use the SIP Calculator or Lumpsum Calculator.

Mutual Fund Returns Calculator formula

Value = U x NAV1; Gain = Value x (1 - L) - A; CAGR = (Value x (1 - L) / A)^(1 / t) - 1

U
= units held = A / NAV0
A
= amount invested
NAV0
= NAV on the purchase date
NAV1
= NAV today
L
= exit load as a decimal
t
= holding period in years

Post-tax value = redemption value - estimated capital gains tax (including 4% cess).

Mutual Fund Returns Calculator: worked example

₹5,00,000 in an equity fund at a NAV of ₹40, now ₹72 after 4 years

Units allotted
12,500.000
Current value
₹9,00,000
Gain
₹4,00,000
Absolute return
80%
CAGR
15.83%
Exempt long-term gain
₹1,25,000
Tax at 12.5% + cess
₹35,750
Value after tax
₹8,64,250

Mutual Fund Returns Calculator: frequently asked questions

What is the difference between absolute return and CAGR?
Absolute return is the total gain as a percentage of what you invested, whatever the period. CAGR is the constant yearly rate that would have produced the same result. A 50% absolute return is excellent over two years and modest over ten, which CAGR makes clear.
Where do I find the purchase NAV and current NAV?
Your account statement or the fund house's app shows the NAV at which each purchase was allotted. The current NAV is published every business day on the fund house's website and on AMFI's website.
What is an exit load?
A charge some funds deduct from the redemption value when you redeem within a set period after buying. The rate and the period differ by fund and can change, so enter the figure from your fund's scheme documents for the date you bought, or zero if the period has passed.
How are equity mutual fund gains taxed?
Held for more than 12 months, gains are long-term: the first ₹1,25,000 of such gains in a year is exempt and the rest is taxed at 12.5%. Held for 12 months or less, gains are taxed at 20%. Cess of 4% is added in both cases.
How are debt mutual fund gains taxed?
For units bought on or after 1 April 2023, gains are treated as short-term whatever the holding period and added to your income at your slab rate. Pick your slab rate in the calculator to see the estimate.
How do I calculate mutual fund returns?
Divide the current value by the amount invested, subtract 1 and multiply by 100 for the absolute return. For the yearly return, use CAGR: (current value ÷ invested) raised to (1 ÷ years), minus 1. For SIPs with many dates, use XIRR instead.

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Reviewed by Pradipta Ray, MBA (Finance) · Updated