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CAGR Calculator

Updated on June 5, 2025 , 20901 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. Invesco India PSU Equity Fund

To generate capital appreciation by investing in Equity and Equity Related Instruments of companies where the Central / State Government(s) has majority shareholding or management control or has powers to appoint majority of directors. However, there is no assurance or guarantee that the investment objective of the Scheme will be achieved. The Scheme does not assure or guarantee any returns.

Invesco India PSU Equity Fund is a Equity - Sectoral fund was launched on 18 Nov 09. It is a fund with High risk and has given a CAGR/Annualized return of 12.8% since its launch. Ranked 33 in Sectoral category. Return for 2024 was 25.6% , 2023 was 54.5% and 2022 was 20.5% .

Below is the key information for Invesco India PSU Equity Fund

Invesco India PSU Equity Fund Growth
Launch Date	18 Nov 09
NAV (06 Jun 25)	₹64.69 ↑ 0.33 (0.51 %)
Net Assets (Cr)	₹1,281 on 30 Apr 25
Category	Equity - Sectoral
AMC	Invesco Asset Management (India) Private Ltd
Rating	☆☆☆
Risk	High
Expense Ratio	2.39
Sharpe Ratio	-0.09
Information Ratio	-0.3
Alpha Ratio	6.92
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 20	₹10,000
31 May 21	₹14,678
31 May 22	₹15,757
31 May 23	₹19,884
31 May 24	₹40,074
31 May 25	₹39,362

Invesco India PSU Equity Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹642,208.
Net Profit of ₹342,208 Invest Now

Returns for Invesco India PSU Equity Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 6 Jun 25

Duration	Returns
1 Month	9.6%
3 Month	21.8%
6 Month	0.1%
1 Year	3.1%
3 Year	36.4%
5 Year	30.1%
10 Year
15 Year
Since launch	12.8%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	25.6%
2023	54.5%
2022	20.5%
2021	31.1%
2020	6.1%
2019	10.1%
2018	-16.9%
2017	24.3%
2016	17.9%
2015	2.5%

Fund Manager information for Invesco India PSU Equity Fund

Name	Since	Tenure
Dhimant Kothari	19 May 20	5.04 Yr.

Data below for Invesco India PSU Equity Fund as on 30 Apr 25

Equity Sector Allocation

Sector	Value
Industrials	29.48%
Utility	26.88%
Financial Services	22.09%
Energy	16.43%
Basic Materials	3.8%

Asset Allocation

Asset Class	Value
Cash	1.31%
Equity	98.69%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Power Grid Corp Of India Ltd (Utilities) Equity, Since 28 Feb 22 \| 532898	9%	₹111 Cr	3,599,413
Bharat Electronics Ltd (Industrials) Equity, Since 31 Mar 17 \| BEL	8%	₹109 Cr	3,455,627 ↓ -438,992
State Bank of India (Financial Services) Equity, Since 28 Feb 21 \| SBIN	8%	₹108 Cr	1,365,114 ↑ 113,571
Bharat Petroleum Corp Ltd (Energy) Equity, Since 30 Sep 18 \| 500547	8%	₹107 Cr	3,445,961
Hindustan Aeronautics Ltd Ordinary Shares (Industrials) Equity, Since 31 May 22 \| HAL	8%	₹105 Cr	233,477 ↑ 58,122
NTPC Ltd (Utilities) Equity, Since 31 May 19 \| 532555	6%	₹76 Cr	2,148,687 ↑ 578,056
NTPC Green Energy Ltd (Utilities) Equity, Since 30 Nov 24 \| NTPCGREEN	5%	₹59 Cr	5,911,723
Hindustan Petroleum Corp Ltd (Energy) Equity, Since 30 Nov 23 \| HINDPETRO	5%	₹59 Cr	1,564,169
Bharat Dynamics Ltd Ordinary Shares (Industrials) Equity, Since 31 May 22 \| BDL	4%	₹52 Cr	338,824
NHPC Ltd (Utilities) Equity, Since 31 Oct 22 \| NHPC	4%	₹51 Cr	5,962,963 ↑ 2,141,456

2. SBI PSU Fund

The objective of the scheme would be to provide investors with opportunities for long-term growth in capital along with the liquidity of an open-ended scheme through an active management of investments in a diversified basket of equity stocks of domestic Public Sector Undertakings and in debt and money market instruments issued by PSUs AND others.

SBI PSU Fund is a Equity - Sectoral fund was launched on 7 Jul 10. It is a fund with High risk and has given a CAGR/Annualized return of 8.2% since its launch. Ranked 31 in Sectoral category. Return for 2024 was 23.5% , 2023 was 54% and 2022 was 29% .

Below is the key information for SBI PSU Fund

SBI PSU Fund Growth
Launch Date	7 Jul 10
NAV (06 Jun 25)	₹32.1814 ↑ 0.26 (0.83 %)
Net Assets (Cr)	₹5,035 on 30 Apr 25
Category	Equity - Sectoral
AMC	SBI Funds Management Private Limited
Rating	☆☆
Risk	High
Expense Ratio	2.3
Sharpe Ratio	-0.3
Information Ratio	-0.18
Alpha Ratio	1.05
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 20	₹10,000
31 May 21	₹15,496
31 May 22	₹16,867
31 May 23	₹20,532
31 May 24	₹41,696
31 May 25	₹41,224

SBI PSU Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹657,502.
Net Profit of ₹357,502 Invest Now

Returns for SBI PSU Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 6 Jun 25

Duration	Returns
1 Month	6.4%
3 Month	14.6%
6 Month	-2%
1 Year	3%
3 Year	35.3%
5 Year	31.3%
10 Year
15 Year
Since launch	8.2%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	23.5%
2023	54%
2022	29%
2021	32.4%
2020	-10%
2019	6%
2018	-23.8%
2017	21.9%
2016	16.2%
2015	-11.1%

Fund Manager information for SBI PSU Fund

Name	Since	Tenure
Rohit Shimpi	1 Jun 24	1 Yr.

Data below for SBI PSU Fund as on 30 Apr 25

Equity Sector Allocation

Sector	Value
Financial Services	35.59%
Utility	30.25%
Energy	15.7%
Industrials	9.6%
Basic Materials	5.14%

Asset Allocation

Asset Class	Value
Cash	3.7%
Equity	96.3%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
State Bank of India (Financial Services) Equity, Since 31 Jul 10 \| SBIN	13%	₹676 Cr	8,577,500
GAIL (India) Ltd (Utilities) Equity, Since 31 May 24 \| 532155	10%	₹487 Cr	25,750,000
Power Grid Corp Of India Ltd (Utilities) Equity, Since 31 Jul 10 \| 532898	9%	₹465 Cr	15,135,554
NTPC Ltd (Utilities) Equity, Since 31 Jul 10 \| 532555	9%	₹431 Cr	12,143,244 ↑ 1,400,000
Bharat Electronics Ltd (Industrials) Equity, Since 30 Jun 24 \| BEL	8%	₹426 Cr	13,575,000
Bharat Petroleum Corp Ltd (Energy) Equity, Since 31 Aug 24 \| 500547	6%	₹301 Cr	9,700,000
Bank of Baroda (Financial Services) Equity, Since 31 Aug 24 \| 532134	5%	₹275 Cr	11,000,000
NMDC Ltd (Basic Materials) Equity, Since 31 Oct 23 \| 526371	4%	₹181 Cr	27,900,000
General Insurance Corp of India (Financial Services) Equity, Since 31 May 24 \| GICRE	3%	₹173 Cr	4,150,000
Oil India Ltd (Energy) Equity, Since 31 Mar 24 \| OIL	3%	₹158 Cr	3,850,000

3. HDFC Infrastructure Fund

To seek long-term capital appreciation by investing predominantly in equity and equity related securities of companies engaged in or expected to benefit from growth and development of infrastructure.

HDFC Infrastructure Fund is a Equity - Sectoral fund was launched on 10 Mar 08. It is a fund with High risk and has given a CAGR/Annualized return of since its launch. Ranked 26 in Sectoral category. Return for 2024 was 23% , 2023 was 55.4% and 2022 was 19.3% .

Below is the key information for HDFC Infrastructure Fund

HDFC Infrastructure Fund Growth
Launch Date	10 Mar 08
NAV (06 Jun 25)	₹47.762 ↑ 0.17 (0.35 %)
Net Assets (Cr)	₹2,392 on 30 Apr 25
Category	Equity - Sectoral
AMC	HDFC Asset Management Company Limited
Rating	☆☆☆
Risk	High
Expense Ratio	2.31
Sharpe Ratio	-0.27
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	300
Exit Load	0-1 Years (1%),1 Years and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
31 May 20	₹10,000
31 May 21	₹18,382
31 May 22	₹20,960
31 May 23	₹26,577
31 May 24	₹47,409
31 May 25	₹49,598

HDFC Infrastructure Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹721,906.
Net Profit of ₹421,906 Invest Now

Returns for HDFC Infrastructure Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 6 Jun 25

Duration	Returns
1 Month	7.8%
3 Month	16.5%
6 Month	-1.5%
1 Year	7%
3 Year	33.8%
5 Year	35.7%
10 Year
15 Year
Since launch

Historical performance (Yearly) on absolute basis

Year	Returns
2024	23%
2023	55.4%
2022	19.3%
2021	43.2%
2020	-7.5%
2019	-3.4%
2018	-29%
2017	43.3%
2016	-1.9%
2015	-2.5%

Fund Manager information for HDFC Infrastructure Fund

Name	Since	Tenure
Srinivasan Ramamurthy	12 Jan 24	1.38 Yr.
Dhruv Muchhal	22 Jun 23	1.94 Yr.

Data below for HDFC Infrastructure Fund as on 30 Apr 25

Equity Sector Allocation

Sector	Value
Industrials	37.51%
Financial Services	20.97%
Basic Materials	11.02%
Utility	7.56%
Energy	6.75%
Communication Services	4.01%
Real Estate	2.2%
Health Care	1.75%
Technology	1.27%
Consumer Cyclical	0.48%

Asset Allocation

Asset Class	Value
Cash	6.48%
Equity	93.52%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
ICICI Bank Ltd (Financial Services) Equity, Since 31 Oct 09 \| ICICIBANK	8%	₹186 Cr	1,300,000
HDFC Bank Ltd (Financial Services) Equity, Since 31 Aug 23 \| HDFCBANK	6%	₹135 Cr	700,000
Larsen & Toubro Ltd (Industrials) Equity, Since 30 Jun 12 \| LT	5%	₹127 Cr	380,000
J Kumar Infraprojects Ltd (Industrials) Equity, Since 31 Oct 15 \| JKIL	4%	₹94 Cr	1,450,000
InterGlobe Aviation Ltd (Industrials) Equity, Since 31 Dec 21 \| INDIGO	3%	₹79 Cr	150,000
NTPC Ltd (Utilities) Equity, Since 31 Dec 17 \| 532555	3%	₹78 Cr	2,200,000
Kalpataru Projects International Ltd (Industrials) Equity, Since 31 Jan 23 \| KPIL	3%	₹74 Cr	758,285
Reliance Industries Ltd (Energy) Equity, Since 31 May 24 \| RELIANCE	3%	₹70 Cr	500,000
Bharti Airtel Ltd (Communication Services) Equity, Since 30 Sep 20 \| BHARTIARTL	3%	₹65 Cr	350,000
Paradeep Phosphates Ltd (Basic Materials) Equity, Since 31 May 22 \| 543530	3%	₹62 Cr	4,300,000 ↓ -400,000

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.