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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: 12.5% on gains above ₹1.25 lakh

Taxable Gains: ₹25,18,058

Tax Amount: ₹3,14,757

Post-tax Gains: ₹23,28,301

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: 20% (holding < 12 months)

LTCG: 12.5% above ₹1.25 lakh (holding > 12 months)

Debt Funds

All gains: As per income tax slab rate

Change: No indexation benefit since April 2023

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  • Exit Load: Penalty for early withdrawal (usually 1% if withdrawn within 1 year)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

Frequently Asked Questions about Mutual Fund Calculator

A mutual fund calculator is a financial tool that helps estimate returns on your mutual fund investments. It uses inputs like investment amount, expected return rate, and time period to calculate future value using compound interest formula. The calculator considers both SIP and lumpsum investment options.

SIP (Systematic Investment Plan) involves investing a fixed amount regularly, typically monthly, which provides rupee cost averaging benefits. Lumpsum is a one-time large investment. SIP is better for regular income earners and reduces market timing risk, while lumpsum may generate higher returns if invested at the right time.

For equity funds: STCG (holding < 12 months) is taxed at 20%, and LTCG (holding > 12 months) at 12.5% on gains above ₹1.25 lakh. For debt funds: All gains are taxed as per income tax slab rate since April 2023. ELSS funds provide tax deduction up to ₹1.5 lakh under Section 80C.

Most mutual funds allow SIP investments starting from ₹500 per month. For lumpsum investments, the minimum is typically ₹5,000. However, specific amounts may vary by fund house and scheme. Some funds may have different minimum investment requirements.

Expense ratio is the annual fee charged by mutual funds for managing your money, expressed as a percentage of assets. A lower expense ratio means higher returns for investors. Direct plans have lower expense ratios (0.5-1% less) compared to regular plans as they don't include distributor commissions.

No, mutual fund returns are market-linked and not guaranteed. The calculator provides estimates based on expected returns, but actual returns may vary due to market conditions, fund performance, and economic factors. Past performance doesn't guarantee future returns.

NAV (Net Asset Value) is the per-unit market value of a mutual fund. It changes daily based on the performance of underlying securities. In SIP, you buy more units when NAV is low and fewer when NAV is high, providing rupee cost averaging benefits over time.

Most open-ended mutual funds allow withdrawal anytime, except ELSS funds which have a 3-year lock-in period. However, some funds may charge exit load (usually 1%) if withdrawn within a specified period, typically 1 year. Liquid funds generally don't have exit loads.

Direct plans are generally better as they have lower expense ratios (0.5-1% less) since there's no distributor commission. This difference can significantly impact long-term returns. Choose direct plans if you can research and invest independently, or regular plans if you need advisor guidance.

Mutual fund calculators provide estimates based on assumed return rates and don't account for market volatility, changing expense ratios, or taxes. They're useful for planning purposes but actual returns may vary significantly. Use calculators as a rough guide rather than guaranteed predictions.

Disclaimer: This mutual fund calculator is for informational purposes only and does not constitute financial advice. Mutual fund investments are subject to market risks. Past performance doesn't guarantee future returns. Please read all scheme-related documents carefully and consult your financial advisor before investing.