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No Sign-Up. No Paywall. Calculate lumpsum and SIP returns on mutual fund investments. Get total corpus, CAGR, and absolute returns with tax impact.
| Category | SEBI Mandate | Expected Return | Best For |
|---|---|---|---|
| Large Cap | ≥80% in top 100 by m-cap | 10-12% | Conservative equity investors |
| Mid Cap | ≥65% in 101-250 m-cap | 12-15% | Aggressive growth |
| Small Cap | ≥65% in 251+ m-cap | 13-18% (high vol) | Long-horizon risk-takers |
| Flexi Cap | ≥65% equity, free allocation | 11-14% | Manager-driven; balanced |
| Multi Cap | ≥25% each in large/mid/small | 12-14% | True diversification (post-2020 mandate) |
| ELSS | ≥80% equity; 3-year lock-in | 12-15% | Section 80C tax saver |
| Index Fund (NIFTY 50) | Tracks index | 10-11% (after fees) | Passive core holding |
| Aggressive Hybrid | 65-80% equity | 9-12% | Lower volatility equity |
| Conservative Hybrid | 10-25% equity | 8-10% | Senior citizens, capital preservation |
| Debt — Short Duration | 1-3 yr Macaulay duration | 6.5-7.5% | 1-3 year horizon |
| Debt — Liquid | Up to 91 days maturity | 6-7% | Emergency fund parking |
| Gold ETF | Tracks gold prices | 7-10% | Portfolio diversifier (5-10%) |
| Metric | What It Tells | Good Range |
|---|---|---|
| Standard Deviation | Volatility of returns | Equity: 15-25%; Debt: 1-4% |
| Sharpe Ratio | Risk-adjusted return | > 0.6 is good |
| Sortino Ratio | Downside-only risk | > 0.8 is excellent |
| Alpha | Excess return vs benchmark | > 0% over 5 years |
| Beta | Sensitivity to market | < 1.0 = defensive; > 1.0 = aggressive |
| Maximum Drawdown | Worst peak-to-trough fall | < 30% for large-cap; < 50% for small-cap |
The single most important fee decision for Indian investors:
| Aspect | Regular Plan | Direct Plan |
|---|---|---|
| Distributor commission | Yes (built into expense ratio) | NO |
| Expense ratio (equity) | 1.5-2.0% | 0.5-1.0% |
| 20-year impact on ₹10L | ~₹50-60 lakh corpus | ~₹65-80 lakh corpus |
| How to buy | Bank, IFA, brokers | AMC website, Coin, Kuvera, ETMoney, MFCentral |
| Advisory | From distributor | Self-directed (or paid SEBI RIA) |
At 13% expected CAGR, SIP value = ₹2.13 crore. Total invested = ₹30 lakh. Wealth gained = ₹1.83 crore.
At 12% return. Total invested ≈ ₹3.95 crore. Final corpus ≈ ₹10.7 crore. The step-up nearly triples final corpus vs flat SIP.
60% Flexi-Cap (12%) + 40% Short Duration (7%). Blended return ≈ 10%. ₹15K SIP for 25 years = ₹2.0 crore vs ₹2.55 crore in pure equity. Lower volatility, slightly lower return.
Open-ended: Buy/sell at any time at NAV. Most retail funds (95%+). Close-ended: Fixed tenure (3, 5, 10 years); listed on exchange; can trade but at market price (often discount to NAV).
Mutual funds are regulated by SEBI under MF Regulations 1996. AMCs are separate legal entities from trustees; investor money is held in a Trust. Even if AMC goes bankrupt, your investments are safe. Performance risk exists (markets can decline) but operational/fraud risk is low.
Net Asset Value = (Total Assets − Liabilities) / Outstanding Units. Updated daily after market close. Your buy/sell price. NAV alone doesn’t indicate fund quality — focus on returns, expense ratio, and fund manager.
Equity funds: 20% STCG (<12mo), 12.5% LTCG (>12mo, above ₹1.25L). Debt funds (post-April 2023): slab rate any time. International funds: debt-equivalent treatment.
Yes, via “Switch” feature. But each switch is treated as redemption + purchase — capital gains tax applies. Plan switches around tax-year ends or to harvest gains within ₹1.25L LTCG limit.
Selects securities, manages portfolio allocation within SEBI mandate, executes buy/sell. Top Indian fund managers: Prashant Jain (HDFC), Mahesh Patil (Aditya Birla), Rajeev Thakkar (Parag Parikh), Manish Sonthalia (Motilal Oswal), Sankaran Naren (ICICI Pru).
Since Budget 2020, dividend income is taxed in investor’s hands at slab rate (TDS 10% if >₹5,000/year). Growth option always preferred for tax efficiency.