Mutual Fund Return Calculator

Types of Returns

• Absolute Return: Total gain as percentage of investment
• CAGR: Compound annual growth rate
• Rolling Returns: Returns over rolling periods
• XIRR: Actual return for irregular cash flows

Expense Ratio Explained

The expense ratio is the annual fee charged by the fund for management and operations. It is deducted from the NAV daily. A difference of 0.5% may seem small, but over decades it can cost you lakhs/thousands in returns.

Expense Ratio Benchmarks

• Index Funds: 0.05% - 0.30%
• Actively Managed Equity: 0.50% - 2.00%
• Debt Funds: 0.20% - 1.00%

Exit Load

Exit load is a fee charged when you redeem your investment before a specified period. It discourages early withdrawals and is typically 1% if redeemed within 1 year.

SIP Benefits

• Rupee Cost Averaging: Buy more units when prices are low
• Disciplined Investing: Regular, automatic investments
• Power of Compounding: Small amounts grow significantly over time
• No Market Timing: Removes emotional decision-making

Things to Consider

• Past performance does not guarantee future returns
• Consider fund category suitable for your goal
• Check fund managers track record
• Look at risk-adjusted returns, not just absolute returns