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CAGR Calculator

Updated on October 2, 2022 , 12914 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. PGIM India Midcap Opportunities Fund

The primary objective of the Scheme is to achieve long-term capital appreciation by predominantly investing in equity & equity related instruments of mid cap companies. However, there is no assurance that the investment objective of the Scheme will be realized.

PGIM India Midcap Opportunities Fund is a Equity - Mid Cap fund was launched on 2 Dec 13. It is a fund with High risk and has given a CAGR/Annualized return of 18.6% since its launch.  Ranked 40 in Mid Cap category.  Return for 2021 was 63.8% , 2020 was 48.4% and 2019 was 3.6% .

Below is the key information for PGIM India Midcap Opportunities Fund

PGIM India Midcap Opportunities Fund
Growth
Launch Date 2 Dec 13
NAV (04 Oct 22) ₹45.01 ↑ 0.96   (2.18 %)
Net Assets (Cr) ₹6,614 on 31 Aug 22
Category Equity - Mid Cap
AMC Pramerica Asset Managers Private Limited
Rating
Risk High
Expense Ratio 2.53
Sharpe Ratio 0.43
Information Ratio 1.64
Alpha Ratio -0.31
Min Investment 5,000
Min SIP Investment 1,000
Exit Load 0-365 Days (1%),365 Days and above(NIL)

Growth of 10,000 investment over the years.

DateValue
30 Sep 17₹10,000
30 Sep 18₹9,387
30 Sep 19₹9,220
30 Sep 20₹12,091
30 Sep 21₹22,710
30 Sep 22₹23,957

PGIM India Midcap Opportunities Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹493,520.
Net Profit of ₹193,520
Invest Now

Returns for PGIM India Midcap Opportunities Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 4 Oct 22

DurationReturns
1 Month -0.5%
3 Month 15.8%
6 Month 4.2%
1 Year 5.2%
3 Year 38.8%
5 Year 19.3%
10 Year
15 Year
Since launch 18.6%
Historical performance (Yearly) on absolute basis
YearReturns
2021 63.8%
2020 48.4%
2019 3.6%
2018 -16.1%
2017 37%
2016 -1.3%
2015 7.9%
2014 42.8%
2013
2012
Fund Manager information for PGIM India Midcap Opportunities Fund
NameSinceTenure
Aniruddha Naha1 Jun 211.25 Yr.
Puneet Pal16 Jul 220.13 Yr.
Vivek Sharma1 Jun 211.25 Yr.

Data below for PGIM India Midcap Opportunities Fund as on 31 Aug 22

Equity Sector Allocation
SectorValue
Industrials25.79%
Consumer Cyclical21.94%
Financial Services14.29%
Basic Materials11.15%
Consumer Defensive6.17%
Health Care5.24%
Technology5.03%
Real Estate3.15%
Utility1.29%
Asset Allocation
Asset ClassValue
Cash5.96%
Equity94.04%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
ABB India Ltd (Industrials)
Equity, Since 30 Sep 21 | 500002
4%₹288 Cr882,705
↓ -95,268
TVS Motor Co Ltd (Consumer Cyclical)
Equity, Since 31 Oct 21 | 532343
4%₹271 Cr2,750,000
Timken India Ltd (Industrials)
Equity, Since 30 Sep 21 | 522113
4%₹255 Cr845,081
Indian Hotels Co Ltd (Consumer Cyclical)
Equity, Since 30 Apr 21 | 500850
4%₹247 Cr8,647,166
↑ 700,000
Varun Beverages Ltd (Consumer Defensive)
Equity, Since 30 Jun 21 | VBL
4%₹238 Cr2,304,439
HDFC Bank Ltd (Financial Services)
Equity, Since 28 Feb 22 | HDFCBANK
3%₹219 Cr1,475,000
Laurus Labs Ltd (Healthcare)
Equity, Since 30 Nov 21 | 540222
3%₹215 Cr3,713,813
↑ 450,000
Crompton Greaves Consumer Electricals Ltd (Consumer Cyclical)
Equity, Since 31 May 22 | CROMPTON
3%₹214 Cr5,250,000
↑ 2,250,000
Dalmia Bharat Ltd (Basic Materials)
Equity, Since 31 Jul 21 | 542216
3%₹202 Cr1,312,300
Jubilant Foodworks Ltd (Consumer Cyclical)
Equity, Since 31 Jul 22 | JUBLFOOD
3%₹194 Cr3,148,000
↑ 2,348,000

2. Kotak Small Cap Fund

(Erstwhile Kotak Midcap Scheme)

The investment objective of the Scheme is to generate capital appreciation from a diversified portfolio of equity and equity related securities.

Kotak Small Cap Fund is a Equity - Small Cap fund was launched on 24 Feb 05. It is a fund with Moderately High risk and has given a CAGR/Annualized return of 17.3% since its launch.  Ranked 23 in Small Cap category.  Return for 2021 was 70.9% , 2020 was 34.2% and 2019 was 5% .

Below is the key information for Kotak Small Cap Fund

Kotak Small Cap Fund
Growth
Launch Date 24 Feb 05
NAV (04 Oct 22) ₹166.546 ↑ 1.49   (0.90 %)
Net Assets (Cr) ₹8,356 on 31 Aug 22
Category Equity - Small Cap
AMC Kotak Mahindra Asset Management Co Ltd
Rating
Risk Moderately High
Expense Ratio 1.89
Sharpe Ratio 0.4
Information Ratio 1.11
Alpha Ratio 3.28
Min Investment 5,000
Min SIP Investment 1,000
Exit Load 0-1 Years (1%),1 Years and above(NIL)

Growth of 10,000 investment over the years.

DateValue
30 Sep 17₹10,000
30 Sep 18₹9,355
30 Sep 19₹9,598
30 Sep 20₹10,934
30 Sep 21₹21,940
30 Sep 22₹22,710

Kotak Small Cap 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 Kotak Small Cap Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 4 Oct 22

DurationReturns
1 Month -0.7%
3 Month 12.5%
6 Month 0.4%
1 Year 2.5%
3 Year 34.2%
5 Year 17.9%
10 Year
15 Year
Since launch 17.3%
Historical performance (Yearly) on absolute basis
YearReturns
2021 70.9%
2020 34.2%
2019 5%
2018 -17.3%
2017 44%
2016 8.9%
2015 7.4%
2014 74%
2013 -4.9%
2012 50.2%
Fund Manager information for Kotak Small Cap Fund
NameSinceTenure
Pankaj Tibrewal21 Jan 1012.62 Yr.
Arjun Khanna30 Apr 220.34 Yr.

Data below for Kotak Small Cap Fund as on 31 Aug 22

Equity Sector Allocation
SectorValue
Industrials31.14%
Consumer Cyclical26.86%
Basic Materials18.86%
Financial Services5.1%
Health Care3.5%
Technology3.07%
Real Estate1.62%
Consumer Defensive1.16%
Energy0.39%
Asset Allocation
Asset ClassValue
Cash7.8%
Equity92.2%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Century Plyboards (India) Ltd (Consumer Cyclical)
Equity, Since 31 Oct 18 | 532548
5%₹388 Cr5,783,653
↓ -244,041
Carborundum Universal Ltd (Industrials)
Equity, Since 30 Jun 18 | 513375
4%₹353 Cr4,186,972
Sheela Foam Ltd (Consumer Cyclical)
Equity, Since 30 Jun 18 | 540203
3%₹287 Cr963,274
Galaxy Surfactants Ltd (Basic Materials)
Equity, Since 31 Jan 18 | 540935
3%₹285 Cr872,010
↑ 15,596
Ratnamani Metals & Tubes Ltd (Basic Materials)
Equity, Since 31 Jan 18 | 520111
3%₹266 Cr1,433,009
↑ 26,907
Blue Dart Express Ltd (Industrials)
Equity, Since 31 Oct 19 | 526612
3%₹218 Cr254,940
↓ -6,332
Blue Star Ltd (Industrials)
Equity, Since 31 May 18 | BLUESTARCO
3%₹218 Cr1,978,982
Cyient Ltd (Industrials)
Equity, Since 31 Dec 19 | CYIENT
3%₹210 Cr2,488,786
↑ 86,350
Schaeffler India Ltd (Consumer Cyclical)
Equity, Since 30 Apr 15 | SCHAEFFLER
2%₹202 Cr665,447
Supreme Industries Ltd (Industrials)
Equity, Since 31 May 14 | 509930
2%₹195 Cr990,770

3. DSP BlackRock Small Cap Fund 

(Erstwhile DSP BlackRock Micro Cap Fund)

The primary investment objective is to seek to generate long term capital appreciation from a portfolio that is substantially constituted of equity and equity related securities of small cap companies. From time to time, the fund manager will also seek participation in other equity and equity related securities to achieve optimal portfolio construction. There is no assurance that the investment objective of the Scheme will be realized

DSP BlackRock Small Cap Fund  is a Equity - Small Cap fund was launched on 14 Jun 07. It is a fund with Moderately High risk and has given a CAGR/Annualized return of 17.2% since its launch.  Ranked 7 in Small Cap category.  Return for 2021 was 58.9% , 2020 was 33.1% and 2019 was 0.7% .

Below is the key information for DSP BlackRock Small Cap Fund 

DSP BlackRock Small Cap Fund 
Growth
Launch Date 14 Jun 07
NAV (04 Oct 22) ₹114.149 ↑ 1.78   (1.58 %)
Net Assets (Cr) ₹8,982 on 31 Aug 22
Category Equity - Small Cap
AMC DSP BlackRock Invmt Managers Pvt. Ltd.
Rating
Risk Moderately High
Expense Ratio 1.88
Sharpe Ratio 0.47
Information Ratio 0
Alpha Ratio 0
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 17₹10,000
30 Sep 18₹8,778
30 Sep 19₹8,537
30 Sep 20₹10,040
30 Sep 21₹17,698
30 Sep 22₹18,868

DSP BlackRock Small Cap Fund  SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹426,080.
Net Profit of ₹126,080
Invest Now

Returns for DSP BlackRock Small Cap Fund 

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 4 Oct 22

DurationReturns
1 Month 1%
3 Month 13.7%
6 Month 0.6%
1 Year 6.2%
3 Year 32%
5 Year 13.6%
10 Year
15 Year
Since launch 17.2%
Historical performance (Yearly) on absolute basis
YearReturns
2021 58.9%
2020 33.1%
2019 0.7%
2018 -25.5%
2017 42.8%
2016 12.7%
2015 20.4%
2014 101.8%
2013 3.8%
2012 40.5%
Fund Manager information for DSP BlackRock Small Cap Fund 
NameSinceTenure
Vinit Sambre21 Jun 1012.21 Yr.
Jay Kothari1 Mar 139.51 Yr.
Resham Jain16 Mar 184.47 Yr.
Abhishek Ghosh1 Sep 220 Yr.

Data below for DSP BlackRock Small Cap Fund  as on 31 Aug 22

Equity Sector Allocation
SectorValue
Consumer Cyclical36.69%
Basic Materials22.99%
Industrials12.71%
Consumer Defensive6.41%
Health Care6.07%
Financial Services5.82%
Technology3.01%
Communication Services1.84%
Asset Allocation
Asset ClassValue
Cash4.46%
Equity95.54%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Suprajit Engineering Ltd (Consumer Cyclical)
Equity, Since 30 Jun 14 | 532509
3%₹302 Cr8,879,349
Ratnamani Metals & Tubes Ltd (Basic Materials)
Equity, Since 31 Dec 14 | 520111
3%₹287 Cr1,545,945
Atul Ltd (Basic Materials)
Equity, Since 31 Jul 13 | ATUL
3%₹286 Cr312,546
Cyient Ltd (Industrials)
Equity, Since 30 Sep 21 | CYIENT
3%₹284 Cr3,360,908
↑ 319,808
K.P.R. Mill Ltd (Consumer Cyclical)
Equity, Since 31 Jul 14 | 532889
3%₹278 Cr4,594,316
Chambal Fertilisers & Chemicals Ltd (Basic Materials)
Equity, Since 31 Jul 14 | 500085
3%₹276 Cr7,885,010
Nilkamal Ltd (Consumer Cyclical)
Equity, Since 31 Jan 17 | 523385
3%₹264 Cr1,289,228
GHCL Ltd (Basic Materials)
Equity, Since 30 Nov 17 | 500171
3%₹233 Cr3,891,595
↓ -119,259
Triveni Engineering & Industries Ltd (Consumer Defensive)
Equity, Since 31 Aug 17 | 532356
3%₹227 Cr9,644,615
↑ 1,772,945
Ipca Laboratories Ltd (Healthcare)
Equity, Since 30 Nov 14 | 524494
3%₹226 Cr2,496,780

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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