Mutual Fund Returns Calculator
Calculate your mutual fund investment returns for both SIP and lumpsum investments. Plan your financial future with accurate return projections.
Calculate Mutual Fund Returns
Enter your mutual fund investment details to calculate potential returns
Investment Summary
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Popular Mutual Funds Performance
| Fund Name | Category | 1 Year | 3 Years | 5 Years | Expense Ratio |
|---|---|---|---|---|---|
| Mirae Asset Large Cap Fund | Large Cap | 18.5% | 16.2% | 15.8% | 0.41% |
| SBI Small Cap Fund | Small Cap | 24.3% | 22.1% | 20.5% | 0.65% |
| ICICI Prudential Bluechip Fund | Large Cap | 17.8% | 15.9% | 14.7% | 0.44% |
| HDFC Hybrid Equity Fund | Hybrid | 16.2% | 14.8% | 13.5% | 0.78% |
| Nippon India Liquid Fund | Debt | 6.8% | 6.5% | 6.3% | 0.20% |
| UTI Nifty 50 Index Fund | Index | 15.2% | 14.1% | 13.8% | 0.10% |
* Returns are historical and not guarantees of future performance. Data is for illustrative purposes.
SIP vs Lumpsum: Which is Better?
SIP (Systematic Investment)
- Rupee cost averaging - buy more units when prices are low
- Disciplined investing regardless of market conditions
- Lower initial investment requirement
- Reduces impact of market timing risk
- May miss bulk buying opportunities in market dips
Best For:
Salaried individuals, beginners, risk-averse investors, and those with limited lump sum capital.
Lumpsum Investment
- Higher potential returns if invested at market lows
- Immediate full exposure to market growth
- Simplicity - one-time decision
- No need to remember monthly investments
- Higher risk if market corrects after investment
Best For:
Investors with lump sum amounts, market experts, those who can time the market, and bonus/settlement recipients.
Which Strategy Should You Choose?
- • You're a salaried individual
- • You're new to investing
- • You want to reduce risk
- • You have limited capital
- • You have a large amount to invest
- • Market is at attractive levels
- • You're an experienced investor
- • You received bonus/tax refund
Types of Mutual Funds
Equity Funds
Invest primarily in stocks. Higher risk but potential for higher returns.
Debt Funds
Invest in fixed income instruments. Lower risk with stable returns.
Hybrid Funds
Mix of equity and debt. Balanced risk-return profile.
Index Funds
Track market indices. Low cost with market-matching returns.
Frequently Asked Questions
What is the minimum investment for mutual funds?
For SIP: Most funds allow starting with ₹500 per month. For lumpsum: Minimum investment is typically ₹1,000 to ₹5,000. Some funds may have higher minimums for specific schemes.
How are mutual fund returns taxed in India?
Equity funds: Short-term (held <1 year) - 15%, Long-term (held >1 year) - 10% over ₹1 lakh. Debt funds: Short-term (held <3 years) - as per income tax slab, Long-term (held >3 years) - 20% with indexation.
What is expense ratio in mutual funds?
Expense ratio is the annual fee charged by the fund house to manage your investment. It includes management fees, administrative costs, and other operational expenses. Lower expense ratios are generally better for investors.
Can I withdraw my mutual fund investment anytime?
Most mutual funds (especially open-ended) allow redemption anytime. However, some close-ended funds have lock-in periods. ELSS funds have a mandatory 3-year lock-in period for tax benefits.
What is the difference between direct and regular plans?
Direct plans have lower expense ratios as they don't involve distributors. Regular plans have higher expense ratios that include distributor commissions. Direct plans typically give 0.5-1% higher returns due to lower costs.