Table of Contents
CAGR Calculator
What is CAGR?
CAGR refers to the mean annual growth of an investment over a specific time duration. It is assumed that the value of investment is compounded over the duration. Unlike Absolute Return, CAGR takes time value of money into account. As a result, it is able to reflect the true returns of an investment generated over a year.
CAGR (Compound Annual Growth Rate) 20.11% CAGR Calculator
How To Use CAGR Calculator
Where can you use CAGR calculators CAGR is an easy to use tool to analyse your investment decisions. It finds application in the following scenarios:
- You bought some specific units in Equity Funds this year and your fund value increased. With the help of CAGR calculator, you would be able to know the rate of return on your investment
- You want to start Investing and have some specific goals. With the CAGR calculator, you will get to know at what rate you have to grow your money within the time frame
- Consider you have invested in an equity fund whose 3,5, and 10-year returns are 25%, 15% and 10% respectively. You want to know the average rate at which your fund grew annually
- To compare the CAGR of an investment with your expected rate and check for the suitability. Invest only if the CAGR is greater than or equal to your expected rate of return
- CAGR of a Mutual Fund can be compared with a benchmark return
CAGR Formula
The CAGR can be calculated using the mathematical formula
CAGR = [ (Ending value/Beginning Value)^(1/N) ] -1
The above formula depends on three variables. Namely, the beginning value, ending value and Number of years (N)
When you input the above three variables, the CAGR calculator would give you the rate of Return on Investment.
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Limitations of CAGR
Even though CAGR is a useful concept, it has a lot of limitations. A lack of awareness of these limitations would lead to bad investment decisions. Some of the limitations are:
In calculations related to CAGR, it’s only the beginning and end values. It assumes that the growth is constant over the duration of time and fails to consider the Volatility aspect
It is suitable only for a lump sum investment. As in case of a SIP investment, the systematic investment at various intervals wouldn’t be considered as only the beginning value is considered while calculating the CAGR
CAGR does not account for the risk inherent in an investment. When it comes to equity investment, risk-adjusted returns are more important than CAGR. For these purposes, you need to consider better ratios like Sharpe Ratio
Top Funds with best 3 year CAGR
To generate long-term capital appreciation from a diversified portfolio of predominantly equity and equity related securities, including equity derivatives, in the Indian markets with key theme focus being emerging companies (small cap stocks). The Scheme could also additionally invest in Foreign Securities. L&T Emerging Businesses Fund is a Equity - Small Cap fund was launched on 12 May 14. It is a fund with High risk and has given a Below is the key information for L&T Emerging Businesses Fund Returns up to 1 year are on (Erstwhile ICICI Prudential Indo Asia Equity Fund) ICICI Prudential Indo Asia Equity Fund is an OE equity scheme that seeks to generate long term capital appreciation by investing in equity, equity related securities and or share classes/units of equity funds of companies, which are incorporated or have their area of primary activity, in the Asia Pacific region. Initially the Scheme will invest in share classes of International Opportunities Fund Asian Equity Fund and thereafter the Fund Manager of the Indo Asia Equity Fund may choose to make investment in listed equity shares, securities in the Asia Pacific region. However, there can be no assurance that the investment objective of the Scheme will be realized. ICICI Prudential Smallcap Fund is a Equity - Small Cap fund was launched on 18 Oct 07. It is a fund with Moderately High risk and has given a Below is the key information for ICICI Prudential Smallcap Fund Returns up to 1 year are on (Erstwhile BOI AXA Corporate Credit Spectrum Fund) The Scheme’s investment objective is to generate capital appreciation over the long term by investing predominantly in corporate debt across the credit spectrum within the universe of investment grade rating. To achieve this objective, the Scheme will seek to make investments in rated, unrated instruments and structured obligations of public and private companies. BOI AXA Credit Risk Fund is a Debt - Credit Risk fund was launched on 27 Feb 15. It is a fund with Moderate risk and has given a Below is the key information for BOI AXA Credit Risk Fund Returns up to 1 year are on 1. L&T Emerging Businesses Fund
CAGR/Annualized return of 20.2% since its launch. Ranked 2 in Small Cap category. Return for 2022 was 1% , 2021 was 77.4% and 2020 was 15.5% . L&T Emerging Businesses Fund
Growth Launch Date 12 May 14 NAV (07 Jun 23) ₹53.0337 ↑ 0.40 (0.76 %) Net Assets (Cr) ₹8,672 on 31 Jan 23 Category Equity - Small Cap AMC L&T Investment Management Ltd Rating ☆☆☆☆☆ Risk High Expense Ratio 1.87 Sharpe Ratio -0.15 Information Ratio 0.61 Alpha Ratio 3.77 Min Investment 5,000 Min SIP Investment 500 Exit Load 0-1 Years (1%),1 Years and above(NIL) Growth of 10,000 investment over the years.
Date Value 31 May 18 ₹10,000 31 May 19 ₹8,939 31 May 20 ₹6,056 31 May 21 ₹12,883 31 May 22 ₹15,567 31 May 23 ₹18,968 Returns for L&T Emerging Businesses Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 7 Jun 23 Duration Returns 1 Month 5.5% 3 Month 10.5% 6 Month 9.2% 1 Year 25% 3 Year 43.8% 5 Year 14.7% 10 Year 15 Year Since launch 20.2% Historical performance (Yearly) on absolute basis
Year Returns 2022 1% 2021 77.4% 2020 15.5% 2019 -8.1% 2018 -13.7% 2017 66.5% 2016 10.2% 2015 12.3% 2014 2013 Fund Manager information for L&T Emerging Businesses Fund
Name Since Tenure Venugopal Manghat 17 Dec 19 3.37 Yr. Vihang Naik 17 Dec 19 3.37 Yr. Data below for L&T Emerging Businesses Fund as on 31 Jan 23
Equity Sector Allocation
Sector Value Industrials 34.81% Basic Materials 17.04% Consumer Cyclical 15.6% Financial Services 9.15% Technology 7.18% Real Estate 5.69% Consumer Defensive 4.82% Health Care 2.66% Energy 1.27% Communication Services 0.08% Asset Allocation
Asset Class Value Cash 1.7% Equity 98.3% Top Securities Holdings / Portfolio
Name Holding Value Quantity K.P.R. Mill Ltd (Consumer Cyclical)
Equity, Since 28 Feb 15 | KPRMILL3% ₹269 Cr 5,081,639 RHI Magnesita India Ltd (Industrials)
Equity, Since 31 Aug 18 | RHIM3% ₹235 Cr 3,018,479 Indian Bank (Financial Services)
Equity, Since 31 Jan 22 | 5328143% ₹230 Cr 7,556,600 Grindwell Norton Ltd (Industrials)
Equity, Since 30 Sep 17 | 5060763% ₹225 Cr 1,127,322 Carborundum Universal Ltd (Industrials)
Equity, Since 31 Jul 16 | CARBORUNIV3% ₹219 Cr 2,249,700 KEI Industries Ltd (Industrials)
Equity, Since 31 Jan 20 | KEI2% ₹215 Cr 1,329,400 JK Lakshmi Cement Ltd (Basic Materials)
Equity, Since 31 Oct 20 | JKLAKSHMI2% ₹209 Cr 2,845,600 E I D Parry India Ltd (Consumer Defensive)
Equity, Since 31 Jan 20 | EIDPARRY2% ₹207 Cr 3,804,620 Apar Industries Ltd (Industrials)
Equity, Since 31 Mar 17 | APARINDS2% ₹200 Cr 1,184,900 Ratnamani Metals & Tubes Ltd (Basic Materials)
Equity, Since 30 Nov 17 | RATNAMANI2% ₹195 Cr 880,422 2. ICICI Prudential Smallcap Fund
CAGR/Annualized return of 12.1% since its launch. Ranked 26 in Small Cap category. Return for 2022 was 5.7% , 2021 was 61% and 2020 was 22.8% . ICICI Prudential Smallcap Fund
Growth Launch Date 18 Oct 07 NAV (07 Jun 23) ₹59.62 ↑ 0.41 (0.69 %) Net Assets (Cr) ₹5,036 on 30 Apr 23 Category Equity - Small Cap AMC ICICI Prudential Asset Management Company Limited Rating ☆☆☆ Risk Moderately High Expense Ratio 2.1 Sharpe Ratio 0.2 Information Ratio 0.44 Alpha Ratio 4.5 Min Investment 5,000 Min SIP Investment 100 Exit Load 0-1 Years (1%),1 Years and above(NIL) Growth of 10,000 investment over the years.
Date Value 31 May 18 ₹10,000 31 May 19 ₹9,623 31 May 20 ₹6,785 31 May 21 ₹15,079 31 May 22 ₹18,001 31 May 23 ₹21,293 Returns for ICICI Prudential Smallcap Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 7 Jun 23 Duration Returns 1 Month 8.4% 3 Month 11.6% 6 Month 8.1% 1 Year 21.6% 3 Year 43.5% 5 Year 17.7% 10 Year 15 Year Since launch 12.1% Historical performance (Yearly) on absolute basis
Year Returns 2022 5.7% 2021 61% 2020 22.8% 2019 10% 2018 -22.4% 2017 42.7% 2016 6% 2015 0.5% 2014 50.6% 2013 8.8% Fund Manager information for ICICI Prudential Smallcap Fund
Name Since Tenure Harish Bihani 5 Nov 18 4.49 Yr. Sharmila D’mello 30 Jun 22 0.84 Yr. Data below for ICICI Prudential Smallcap Fund as on 30 Apr 23
Equity Sector Allocation
Sector Value Industrials 23.67% Consumer Cyclical 21.35% Health Care 13.63% Financial Services 8.3% Basic Materials 6.67% Real Estate 4.08% Communication Services 4.05% Consumer Defensive 3.85% Technology 3.55% Asset Allocation
Asset Class Value Cash 10.01% Equity 89.99% Top Securities Holdings / Portfolio
Name Holding Value Quantity Cyient Ltd (Industrials)
Equity, Since 31 Aug 18 | CYIENT5% ₹227 Cr 1,926,719
↓ -66,247 PVR INOX Ltd Shs Dematerialised (Communication Services)
Equity, Since 28 Feb 23 | PVRINOX4% ₹179 Cr 1,222,813 Krishna Institute of Medical Sciences Ltd (Healthcare)
Equity, Since 30 Sep 22 | 5433084% ₹179 Cr 1,183,364 EPL Ltd Ordinary Shares (Consumer Cyclical)
Equity, Since 30 Apr 21 | EPL3% ₹167 Cr 9,546,110
↑ 34,684 Rolex Rings Ltd (Industrials)
Equity, Since 31 Jul 21 | 5433253% ₹161 Cr 873,867 KEI Industries Ltd (Industrials)
Equity, Since 31 Jan 20 | KEI3% ₹144 Cr 760,363
↓ -59,862 Multi Commodity Exchange of India Ltd (Financial Services)
Equity, Since 30 Jun 19 | MCX3% ₹128 Cr 917,205
↑ 50,000 CCL Products (India) Ltd (Consumer Defensive)
Equity, Since 31 Jul 19 | CCL3% ₹127 Cr 2,116,034
↓ -430,720 Tarsons Products Ltd (Healthcare)
Equity, Since 30 Nov 21 | 5433993% ₹127 Cr 2,250,439 Blue Star Ltd (Industrials)
Equity, Since 30 Nov 17 | BLUESTARCO2% ₹112 Cr 758,429
↓ -960 3. BOI AXA Credit Risk Fund
CAGR/Annualized return of 0.9% since its launch. Return for 2022 was 143.1% , 2021 was 9.4% and 2020 was -44.4% . BOI AXA Credit Risk Fund
Growth Launch Date 27 Feb 15 NAV (07 Jun 23) ₹10.8041 ↑ 0.00 (0.01 %) Net Assets (Cr) ₹158 on 15 May 23 Category Debt - Credit Risk AMC BOI AXA Investment Mngrs Private Ltd Rating Risk Moderate Expense Ratio 1.53 Sharpe Ratio -1.89 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 1,000 Exit Load 0-12 Months (4%),12-24 Months (3%),24-36 Months (2%),36 Months and above(NIL) Yield to Maturity 6.81% Effective Maturity 11 Months 8 Days Modified Duration 8 Months 23 Days Growth of 10,000 investment over the years.
Date Value 31 May 18 ₹10,000 31 May 19 ₹9,214 31 May 20 ₹2,743 31 May 21 ₹3,149 31 May 22 ₹7,626 31 May 23 ₹8,023 BOI AXA Credit Risk Fund SIP Returns
Returns for BOI AXA Credit Risk Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 7 Jun 23 Duration Returns 1 Month 0.5% 3 Month 1.8% 6 Month 2.8% 1 Year 5.4% 3 Year 43% 5 Year -4.3% 10 Year 15 Year Since launch 0.9% Historical performance (Yearly) on absolute basis
Year Returns 2022 143.1% 2021 9.4% 2020 -44.4% 2019 -45.2% 2018 -0.3% 2017 9.3% 2016 11.2% 2015 2014 2013 Fund Manager information for BOI AXA Credit Risk Fund
Name Since Tenure Alok Singh 27 Feb 15 8.18 Yr. Data below for BOI AXA Credit Risk Fund as on 15 May 23
Asset Allocation
Asset Class Value Cash 36.67% Debt 63.33% Debt Sector Allocation
Sector Value Corporate 53.7% Cash Equivalent 36.67% Government 9.63% Credit Quality
Rating Value AA 86.55% AAA 12.14% Below B 1.31% Top Securities Holdings / Portfolio
Name Holding Value Quantity Steel Authority Of India Limited
Debentures | -10% ₹15 Cr 1,500,000 Piramal Capital & Housing Finance Limited
Debentures | -9% ₹15 Cr 1,500,000 Manappuram Finance Limited
Debentures | -9% ₹15 Cr 1,500,000 Century Textiles And Industries Limited
Debentures | -9% ₹15 Cr 1,500,000 Godrej Industries Limited
Debentures | -9% ₹15 Cr 1,500,000 Power Finance Corporation Ltd.
Debentures | -6% ₹10 Cr 1,000,000 TATA Motors Limited
Debentures | -6% ₹9 Cr 920,000 The Tata Power Company Limited
Debentures | -3% ₹5 Cr 500,000 The Tata Power Company Limited
Debentures | -3% ₹5 Cr 500,000 IIFL Finance Limited
Debentures | -3% ₹5 Cr 500,000
All efforts have been made to ensure the information provided here is accurate. However, no guarantees are made regarding correctness of data. Please verify with scheme information document before making any investment.
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