CAGR Calculator

Updated on November 24, 2025 , 21345 views

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 Calculator

CAGR (Compound Annual Growth Rate)

20.11%

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

1. DSP World Gold Fund

"The primary investment objective of the Scheme is to seek capital appreciation by investing predominantly in units of MLIIF - WGF. The Scheme may, at the discretion of the Investment Manager, also invest in the units of other similar overseas mutual fund schemes, which may constitute a significant part of its corpus. The Scheme may also invest a certain portion of its corpus in money market securities and/or units of money market/liquid schemes of DSP Merrill Lynch Mutual Fund, in order to meet liquidity requirements from time to time. However, there is no assurance that the investment objective of the Scheme will be realized."

Research Highlights for DSP World Gold Fund

Bottom quartile AUM (₹1,498 Cr).
Oldest track record among peers (18 yrs).
Top rated.
Risk profile: High.
5Y return: 20.81% (upper mid).
3Y return: 43.81% (upper mid).
1Y return: 117.16% (upper mid).
Alpha: -4.16 (bottom quartile).
Sharpe: 1.83 (bottom quartile).
Information ratio: -1.04 (bottom quartile).
Top sector: Basic Materials.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~95%).
Largest holding BGF World Gold I2 (~75.3%).
Top-3 holdings concentration ~101.3%.

Below is the key information for DSP World Gold Fund

DSP World Gold Fund Growth
Launch Date	14 Sep 07
NAV (25 Nov 25)	₹46.2786 ↑ 0.67 (1.46 %)
Net Assets (Cr)	₹1,498 on 31 Oct 25
Category	Equity - Global
AMC	DSP BlackRock Invmt Managers Pvt. Ltd.
Rating	☆☆☆
Risk	High
Expense Ratio	1.41
Sharpe Ratio	1.83
Information Ratio	-1.04
Alpha Ratio	-4.16
Min Investment	1,000
Min SIP Investment	500
Exit Load	0-12 Months (1%),12 Months and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
31 Oct 20	₹10,000
31 Oct 21	₹9,021
31 Oct 22	₹6,936
31 Oct 23	₹8,194
31 Oct 24	₹11,716
31 Oct 25	₹21,909

DSP World Gold Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹505,644.
Net Profit of ₹205,644 Invest Now

Returns for DSP World Gold Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 25 Nov 25

Duration	Returns
1 Month	8.8%
3 Month	31.1%
6 Month	58%
1 Year	117.2%
3 Year	43.8%
5 Year	20.8%
10 Year
15 Year
Since launch	8.8%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	15.9%
2023	7%
2022	-7.7%
2021	-9%
2020	31.4%
2019	35.1%
2018	-10.7%
2017	-4%
2016	52.7%
2015	-18.5%

Fund Manager information for DSP World Gold Fund

Name	Since	Tenure
Jay Kothari	1 Mar 13	12.68 Yr.

Data below for DSP World Gold Fund as on 31 Oct 25

Equity Sector Allocation

Sector	Value
Basic Materials	95.15%

Asset Allocation

Asset Class	Value
Cash	2.29%
Equity	95.15%
Debt	0.02%
Other	2.54%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
BGF World Gold I2 Investment Fund \| -	75%	₹1,127 Cr	1,347,933 ↓ -108,097
VanEck Gold Miners ETF - \| GDX	24%	₹367 Cr	573,719
Treps / Reverse Repo Investments CBLO/Reverse Repo \| -	2%	₹23 Cr
Net Receivables/Payables Net Current Assets \| -	1%	-₹20 Cr

2. SBI Gold Fund

The scheme seeks to provide returns that closely correspond to returns provided by SBI - ETF Gold (Previously known as SBI GETS).

Research Highlights for SBI Gold Fund

Highest AUM (₹8,457 Cr).
Established history (14+ yrs).
Rating: 2★ (lower mid).
Risk profile: Moderately High.
5Y return: 19.24% (lower mid).
3Y return: 32.11% (lower mid).
1Y return: 64.06% (lower mid).
1M return: 3.81% (lower mid).
Alpha: 0.00 (upper mid).
Sharpe: 2.42 (upper mid).
Information ratio: 0.00 (upper mid).
Top bond sector: Cash Equivalent.
Largest holding SBI Gold ETF (~100.2%).
Top-3 holdings concentration ~102.1%.

Below is the key information for SBI Gold Fund

SBI Gold Fund Growth
Launch Date	12 Sep 11
NAV (26 Nov 25)	₹36.7311 ↑ 0.28 (0.78 %)
Net Assets (Cr)	₹8,457 on 31 Oct 25
Category	Gold - Gold
AMC	SBI Funds Management Private Limited
Rating	☆☆
Risk	Moderately High
Expense Ratio	0.3
Sharpe Ratio	2.42
Information Ratio	0
Alpha Ratio	0
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 Oct 20	₹10,000
31 Oct 21	₹9,322
31 Oct 22	₹9,704
31 Oct 23	₹11,658
31 Oct 24	₹14,955
31 Oct 25	₹22,348

SBI Gold Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹493,520.
Net Profit of ₹193,520 Invest Now

Returns for SBI Gold Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 25 Nov 25

Duration	Returns
1 Month	3.8%
3 Month	24.3%
6 Month	30.6%
1 Year	64.1%
3 Year	32.1%
5 Year	19.2%
10 Year
15 Year
Since launch	9.6%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	19.6%
2023	14.1%
2022	12.6%
2021	-5.7%
2020	27.4%
2019	22.8%
2018	6.4%
2017	3.5%
2016	10%
2015	-8.1%

Fund Manager information for SBI Gold Fund

Name	Since	Tenure
Raviprakash Sharma	12 Sep 11	14.15 Yr.

Data below for SBI Gold Fund as on 31 Oct 25

Asset Allocation

Asset Class	Value
Cash	1.29%
Other	98.71%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
SBI Gold ETF - \| -	100%	₹8,472 Cr	820,885,088 ↑ 102,960,417
Net Receivable / Payable CBLO \| -	1%	-₹90 Cr
Treps CBLO/Reverse Repo \| -	1%	₹74 Cr

3. ICICI Prudential Regular Gold Savings Fund

ICICI Prudential Regular Gold Savings Fund (the Scheme) is a fund of funds scheme with the primary objective to generate returns by investing in units of ICICI Prudential Gold Exchange Traded Fund (IPru Gold ETF). However, there can be no assurance that the investment objectives of the Scheme will be realized.

Research Highlights for ICICI Prudential Regular Gold Savings Fund

Lower mid AUM (₹3,770 Cr).
Established history (14+ yrs).
Rating: 1★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 19.06% (bottom quartile).
3Y return: 32.01% (bottom quartile).
1Y return: 63.59% (bottom quartile).
1M return: 3.79% (bottom quartile).
Alpha: 0.00 (lower mid).
Sharpe: 2.38 (lower mid).
Information ratio: 0.00 (lower mid).
Top bond sector: Cash Equivalent.
Largest holding ICICI Pru Gold ETF (~100.0%).
Top-3 holdings concentration ~101.1%.

Below is the key information for ICICI Prudential Regular Gold Savings Fund

ICICI Prudential Regular Gold Savings Fund Growth
Launch Date	11 Oct 11
NAV (26 Nov 25)	₹38.8202 ↑ 0.26 (0.68 %)
Net Assets (Cr)	₹3,770 on 31 Oct 25
Category	Gold - Gold
AMC	ICICI Prudential Asset Management Company Limited
Rating	☆
Risk	Moderately High
Expense Ratio	0.38
Sharpe Ratio	2.38
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	100
Exit Load	0-15 Months (2%),15 Months and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
31 Oct 20	₹10,000
31 Oct 21	₹9,395
31 Oct 22	₹9,756
31 Oct 23	₹11,687
31 Oct 24	₹15,007
31 Oct 25	₹22,357

ICICI Prudential Regular Gold Savings Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹493,520.
Net Profit of ₹193,520 Invest Now

Returns for ICICI Prudential Regular Gold Savings Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 25 Nov 25

Duration	Returns
1 Month	3.8%
3 Month	24.1%
6 Month	30.1%
1 Year	63.6%
3 Year	32%
5 Year	19.1%
10 Year
15 Year
Since launch	10.1%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	19.5%
2023	13.5%
2022	12.7%
2021	-5.4%
2020	26.6%
2019	22.7%
2018	7.4%
2017	0.8%
2016	8.9%
2015	-5.1%

Fund Manager information for ICICI Prudential Regular Gold Savings Fund

Name	Since	Tenure
Manish Banthia	27 Sep 12	13.1 Yr.
Nishit Patel	29 Dec 20	4.84 Yr.
Ashwini Bharucha	1 Nov 25	0 Yr.
Venus Ahuja	1 Nov 25	0 Yr.

Data below for ICICI Prudential Regular Gold Savings Fund as on 31 Oct 25

Asset Allocation

Asset Class	Value
Cash	1.4%
Other	98.6%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
ICICI Pru Gold ETF - \| -	100%	₹3,768 Cr	364,653,102 ↑ 33,144,958
Treps CBLO/Reverse Repo \| -	1%	₹23 Cr
Net Current Assets Net Current Assets \| -	1%	-₹21 Cr

Disclaimer:
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.