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CAGR Calculator

Updated on October 27, 2025 , 21262 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

Start Value:
End Value:
Tenure:
Years

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:

  1. 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
  2. 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
  3. 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
  4. 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
  5. 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

  • Highest AUM (₹1,421 Cr).
  • Oldest track record among peers (18 yrs).
  • Top rated.
  • Risk profile: High.
  • 5Y return: 16.34% (bottom quartile).
  • 3Y return: 44.72% (upper mid).
  • 1Y return: 75.74% (upper mid).
  • Alpha: 3.15 (upper mid).
  • Sharpe: 1.80 (bottom quartile).
  • Information ratio: -1.09 (bottom quartile).
  • Top sector: Basic Materials.
  • Top bond sector: Cash Equivalent.
  • Equity-heavy allocation (~96%).
  • Largest holding BGF World Gold I2 (~75.6%).
  • Top-3 holdings concentration ~99.8%.

Below is the key information for DSP World Gold Fund

DSP World Gold Fund
Growth
Launch Date 14 Sep 07
NAV (28 Oct 25) ₹41.2272 ↑ 0.49   (1.20 %)
Net Assets (Cr) ₹1,421 on 31 Aug 25
Category Equity - Global
AMC DSP BlackRock Invmt Managers Pvt. Ltd.
Rating
Risk High
Expense Ratio 1.41
Sharpe Ratio 1.8
Information Ratio -1.09
Alpha Ratio 3.15
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.

DateValue
30 Sep 20₹10,000
30 Sep 21₹7,753
30 Sep 22₹6,406
30 Sep 23₹7,497
30 Sep 24₹10,968
30 Sep 25₹21,899

DSP World Gold Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹458,689.
Net Profit of ₹158,689
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 28 Oct 25

DurationReturns
1 Month -4.7%
3 Month 34.5%
6 Month 47.3%
1 Year 75.7%
3 Year 44.7%
5 Year 16.3%
10 Year
15 Year
Since launch 8.1%
Historical performance (Yearly) on absolute basis
YearReturns
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
NameSinceTenure
Jay Kothari1 Mar 1312.59 Yr.

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

Equity Sector Allocation
SectorValue
Basic Materials95.54%
Asset Allocation
Asset ClassValue
Cash1.83%
Equity95.6%
Debt0.01%
Other2.56%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
BGF World Gold I2
Investment Fund | -
76%₹1,268 Cr1,456,030
↓ -89,620
VanEck Gold Miners ETF
- | GDX
23%₹389 Cr573,719
Treps / Reverse Repo Investments
CBLO/Reverse Repo | -
1%₹18 Cr
Net Receivables/Payables
Net Current Assets | -
0%₹3 Cr

2. IDBI Gold Fund

The investment objective of the Scheme will be to generate returns that correspond closely to the returns generated by IDBI Gold Exchange Traded Fund (IDBI GOLD ETF).

Research Highlights for IDBI Gold Fund

  • Bottom quartile AUM (₹254 Cr).
  • Established history (13+ yrs).
  • Not Rated.
  • Risk profile: Moderately High.
  • 5Y return: 17.71% (upper mid).
  • 3Y return: 31.79% (lower mid).
  • 1Y return: 48.94% (bottom quartile).
  • 1M return: 3.44% (lower mid).
  • Alpha: 0.00 (lower mid).
  • Sharpe: 2.38 (lower mid).
  • Information ratio: 0.00 (upper mid).
  • Top bond sector: Cash Equivalent.
  • Largest holding LIC MF Gold ETF (~99.1%).
  • Top-3 holdings concentration ~102.1%.

Below is the key information for IDBI Gold Fund

IDBI Gold Fund
Growth
Launch Date 14 Aug 12
NAV (29 Oct 25) ₹31.173 ↑ 1.32   (4.40 %)
Net Assets (Cr) ₹254 on 31 Aug 25
Category Gold - Gold
AMC IDBI Asset Management Limited
Rating Not Rated
Risk Moderately High
Expense Ratio 0.64
Sharpe Ratio 2.38
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 500
Exit Load 0-12 Months (1%),12 Months and above(NIL)

Growth of 10,000 investment over the years.

DateValue
30 Sep 20₹10,000
30 Sep 21₹9,217
30 Sep 22₹10,058
30 Sep 23₹11,430
30 Sep 24₹14,833
30 Sep 25₹22,097

IDBI Gold Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹470,047.
Net Profit of ₹170,047
Invest Now

Returns for IDBI 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 28 Oct 25

DurationReturns
1 Month 3.4%
3 Month 21.4%
6 Month 23.6%
1 Year 48.9%
3 Year 31.8%
5 Year 17.7%
10 Year
15 Year
Since launch 9%
Historical performance (Yearly) on absolute basis
YearReturns
2024 18.7%
2023 14.8%
2022 12%
2021 -4%
2020 24.2%
2019 21.6%
2018 5.8%
2017 1.4%
2016 8.3%
2015 -8.7%
Fund Manager information for IDBI Gold Fund
NameSinceTenure
Sumit Bhatnagar1 Jun 241.33 Yr.

Data below for IDBI Gold Fund as on 31 Aug 25

Asset Allocation
Asset ClassValue
Cash2.75%
Other97.25%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
LIC MF Gold ETF
- | -
99%₹369 Cr353,644
↑ 83,600
Treps
CBLO/Reverse Repo | -
2%₹7 Cr
Net Receivables / (Payables)
CBLO | -
1%-₹4 Cr

3. Aditya Birla Sun Life Gold Fund

An Open ended Fund of Funds Scheme with the investment objective to provide returns that tracks returns provided by Birla Sun Life Gold ETF (BSL Gold ETF).

Research Highlights for Aditya Birla Sun Life Gold Fund

  • Lower mid AUM (₹725 Cr).
  • Established history (13+ yrs).
  • Rating: 3★ (lower mid).
  • Risk profile: Moderately High.
  • 5Y return: 17.59% (lower mid).
  • 3Y return: 31.74% (bottom quartile).
  • 1Y return: 50.37% (lower mid).
  • 1M return: 3.56% (upper mid).
  • Alpha: 0.00 (bottom quartile).
  • Sharpe: 2.66 (upper mid).
  • Information ratio: 0.00 (lower mid).
  • Top bond sector: Cash Equivalent.
  • Largest holding Aditya BSL Gold ETF (~100.4%).
  • Top-3 holdings concentration ~103.3%.

Below is the key information for Aditya Birla Sun Life Gold Fund

Aditya Birla Sun Life Gold Fund
Growth
Launch Date 20 Mar 12
NAV (29 Oct 25) ₹35.0149 ↑ 1.47   (4.40 %)
Net Assets (Cr) ₹725 on 31 Aug 25
Category Gold - Gold
AMC Birla Sun Life Asset Management Co Ltd
Rating
Risk Moderately High
Expense Ratio 0.51
Sharpe Ratio 2.66
Information Ratio 0
Alpha Ratio 0
Min Investment 100
Min SIP Investment 100
Exit Load 0-365 Days (1%),365 Days and above(NIL)

Growth of 10,000 investment over the years.

DateValue
30 Sep 20₹10,000
30 Sep 21₹8,974
30 Sep 22₹9,669
30 Sep 23₹11,048
30 Sep 24₹14,179
30 Sep 25₹21,356

Aditya Birla Sun Life Gold Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹470,047.
Net Profit of ₹170,047
Invest Now

Returns for Aditya Birla Sun Life 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 28 Oct 25

DurationReturns
1 Month 3.6%
3 Month 22%
6 Month 24.5%
1 Year 50.4%
3 Year 31.7%
5 Year 17.6%
10 Year
15 Year
Since launch 9.6%
Historical performance (Yearly) on absolute basis
YearReturns
2024 18.7%
2023 14.5%
2022 12.3%
2021 -5%
2020 26%
2019 21.3%
2018 6.8%
2017 1.6%
2016 11.5%
2015 -7.2%
Fund Manager information for Aditya Birla Sun Life Gold Fund
NameSinceTenure
Priya Sridhar31 Dec 240.75 Yr.

Data below for Aditya Birla Sun Life Gold Fund as on 31 Aug 25

Asset Allocation
Asset ClassValue
Cash0.93%
Other99.07%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Aditya BSL Gold ETF
- | -
100%₹913 Cr89,486,826
↑ 9,590,606
Net Receivables / (Payables)
Net Current Assets | -
2%-₹15 Cr
Clearing Corporation Of India Limited
CBLO/Reverse Repo | -
1%₹11 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.
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