India Mutual Fund Returns Calculator
Calculate returns for lumpsum and SIP investments in Indian mutual funds. Accounts for expense ratio drag, exit load fees, and capital gains tax (STCG 15% for holdings under 1 year, LTCG 10% over ₹1L exemption for equity funds).
Understanding Mutual Fund Returns
Mutual fund returns are driven by the fund's portfolio performance minus expenses. Key factors that affect your final returns: expense ratio (annual fee charged by the fund, reduces your effective return), exit load (fee for redeeming early, typically within 3-12 months), and capital gains tax (STCG at 15% for equity funds held under 1 year, LTCG at 10% on gains exceeding ₹1 lakh for holdings over 1 year).
Example: A ₹5,000/month SIP in an equity fund with 12% expected return and 1% expense ratio over 10 years grows to ~₹10.3 lakhs (vs ~₹11.5 lakhs without the expense ratio — the 1% fee costs you over ₹1.2 lakhs in lost growth).
India Mutual Fund Returns Calculator — Lumpsum & SIP with Tax
Calculate India mutual fund returns for lumpsum and SIP investments. Includes expense ratio impact, exit load, and capital gains tax (STCG 15%, LTCG 10%).
Investment Growth Over Time
Final Value at Different Return Rates
Year-by-Year Growth
| Year | Total Investment | Portfolio Value | Returns |
|---|---|---|---|
| 1 | ₹60,000 | ₹63,119 | ₹3,119 |
| 2 | ₹1,20,000 | ₹1,33,543 | ₹13,543 |
| 3 | ₹1,80,000 | ₹2,12,116 | ₹32,116 |
| 4 | ₹2,40,000 | ₹2,99,781 | ₹59,781 |
| 5 | ₹3,00,000 | ₹3,97,590 | ₹97,590 |