Mutual Fund SIP Returns Calculator
Model a monthly SIP or one-time investment in an Indian mutual fund Growth plan using its historical NAV. See the valuation date, modeled purchases and annualised return.
Type at least two characters. Use arrow keys to move through results, Enter to select, and Escape to close.
Direct and Regular Growth plans are supported. IDCW distributions are not included in this NAV-based model.
This back-test uses a scheme's actual historical NAV and is for illustration only. It is not a recommendation to buy, sell or hold any scheme, and past performance is not indicative of future results. Returns shown are before any exit load or taxes. Mutual Fund investments are subject to market risks; read all scheme related documents carefully before investing. Consult your mutual fund distributor before investing.
How this back-test works
- Pick a Growth plan. Search by name. Regular plans show by default; switch to Direct with the filter if you need it.
- Choose SIP or one-time. Set a monthly amount for a SIP, or a single amount for a lumpsum.
- Choose a period. 1, 3, 5, 7, 10 years or the full available history. A shorter history limits the window.
- Read the result. Total invested, value at the displayed NAV date, gain and annualised return (XIRR for SIP, CAGR for lumpsum), plus an invested-vs-value chart.
- Compare. Open the same fund's NAV history and trailing returns, or try our assumption-based SIP calculator for forward estimates.
Frequently Asked Questions
How is this different from a normal SIP calculator?
A normal SIP calculator assumes a fixed return such as 12% every year. This tool uses the chosen fund's actual daily NAV history, to model a SIP or lumpsum in a Growth plan. Results use the displayed NAV date and purchase assumptions, including market ups and downs. They illustrate historical performance and are not future projections or a statement of your actual account return.
What is XIRR and why is it shown for SIP?
XIRR is the annualised return on a series of investments made on different dates, which is exactly what a SIP is. Because each instalment stays invested for a different length of time, a simple average return would be misleading. XIRR accounts for the timing of every instalment, so it is the correct way to express SIP returns.
Does this include Direct or Regular plan returns?
Both. Search shows Regular plans by default, and you can switch to Direct using the filter. Choose the exact Growth plan you want to model. Direct and Regular plans have different NAV histories; their returns can differ. IDCW options are unsupported because their payouts are not included in the available NAV history.
Which dates are used for monthly purchases?
The schedule keeps the starting calendar day in each month, using the last day in shorter months. A purchase uses the first available NAV on or after that date. The final NAV date is the valuation endpoint and has no new SIP payment. XIRR uses the modeled NAV dates. Payment settlement and cut-off times can make your real allotment dates differ.
Are exit load and taxes included?
No. The figures are based purely on NAV growth and are shown before any exit load, stamp duty or capital gains tax. Your in-hand return after costs and tax would be somewhat lower. Use these numbers to understand a fund's track record, not as a precise post-tax outcome.
Why does my selected period start later than expected?
The model is limited to the available, validated NAV history, which may start after the scheme launched. A scheduled date without a NAV uses the next available observation. The displayed start and end dates show the actual history used.
Is past performance a guarantee of future returns?
No. Past performance is not indicative of future results. This back-test is factual historical information for illustration only and is not a recommendation to buy, sell or hold any scheme. Please consult your mutual fund distributor before investing.