CAGR Calculator

Updated on October 1, 2025 , 21210 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

Lower mid AUM (₹1,421 Cr).
Oldest track record among peers (18 yrs).
Top rated.
Risk profile: High.
5Y return: 17.02% (bottom quartile).
3Y return: 51.26% (upper mid).
1Y return: 99.87% (upper mid).
Alpha: 3.15 (lower mid).
Sharpe: 1.80 (upper mid).
Information ratio: -1.09 (bottom quartile).
Higher exposure to Basic Materials vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~96%).
Largest holding BGF World Gold I2 (~76.6%).
Top-3 holdings concentration ~100.2%.

Below is the key information for DSP World Gold Fund

DSP World Gold Fund Growth
Launch Date	14 Sep 07
NAV (01 Oct 25)	₹45.2482 ↑ 0.55 (1.23 %)
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.

Date	Value
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

Total investment amount is ₹300,000
expected amount after 5 Years is ₹470,047.
Net Profit of ₹170,047 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 1 Oct 25

Duration	Returns
1 Month	24.5%
3 Month	48.1%
6 Month	72.9%
1 Year	99.9%
3 Year	51.3%
5 Year	17%
10 Year
15 Year
Since launch	8.7%

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	12.51 Yr.

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

Equity Sector Allocation

Sector	Value
Basic Materials	95.55%

Asset Allocation

Asset Class	Value
Cash	1.55%
Equity	95.62%
Debt	0.01%
Other	2.83%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
BGF World Gold I2 Investment Fund \| -	77%	₹1,088 Cr	1,545,650 ↓ -32,885
VanEck Gold Miners ETF - \| GDX	22%	₹318 Cr	573,719
Treps / Reverse Repo Investments CBLO/Reverse Repo \| -	1%	₹18 Cr
Net Receivables/Payables Net Current Assets \| -	0%	-₹3 Cr

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.

Research Highlights for SBI PSU Fund

Highest AUM (₹5,179 Cr).
Established history (15+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: High.
5Y return: 32.60% (upper mid).
3Y return: 33.26% (lower mid).
1Y return: -2.33% (bottom quartile).
Alpha: -0.35 (bottom quartile).
Sharpe: -0.81 (bottom quartile).
Information ratio: -0.37 (upper mid).
Higher exposure to Financial Services vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~96%).
High-quality debt (AAA/AA ~100%).
Largest holding State Bank of India (~15.4%).

Below is the key information for SBI PSU Fund

SBI PSU Fund Growth
Launch Date	7 Jul 10
NAV (03 Oct 25)	₹32.651 ↑ 0.38 (1.18 %)
Net Assets (Cr)	₹5,179 on 31 Aug 25
Category	Equity - Sectoral
AMC	SBI Funds Management Private Limited
Rating	☆☆
Risk	High
Expense Ratio	1.89
Sharpe Ratio	-0.81
Information Ratio	-0.37
Alpha Ratio	-0.35
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
30 Sep 20	₹10,000
30 Sep 21	₹16,196
30 Sep 22	₹17,561
30 Sep 23	₹25,841
30 Sep 24	₹42,766
30 Sep 25	₹40,703

SBI PSU Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹673,113.
Net Profit of ₹373,113 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 1 Oct 25

Duration	Returns
1 Month	5%
3 Month	0.8%
6 Month	8.4%
1 Year	-2.3%
3 Year	33.3%
5 Year	32.6%
10 Year
15 Year
Since launch	8.1%

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	1.25 Yr.

Data below for SBI PSU Fund as on 31 Aug 25

Equity Sector Allocation

Sector	Value
Financial Services	36.11%
Utility	29.04%
Energy	13.5%
Industrials	12.09%
Basic Materials	5.5%

Asset Allocation

Asset Class	Value
Cash	3.77%
Equity	96.23%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
State Bank of India (Financial Services) Equity, Since 31 Jul 10 \| SBIN	15%	₹797 Cr	9,927,500 ↑ 700,000
Bharat Electronics Ltd (Industrials) Equity, Since 30 Jun 24 \| BEL	9%	₹479 Cr	12,975,000
NTPC Ltd (Utilities) Equity, Since 31 Jul 10 \| NTPC	9%	₹476 Cr	14,543,244
Power Grid Corp Of India Ltd (Utilities) Equity, Since 31 Jul 10 \| POWERGRID	9%	₹455 Cr	16,535,554
GAIL (India) Ltd (Utilities) Equity, Since 31 May 24 \| GAIL	9%	₹446 Cr	25,750,000
Bharat Petroleum Corp Ltd (Energy) Equity, Since 31 Aug 24 \| BPCL	6%	₹299 Cr	9,700,000
Bank of Baroda (Financial Services) Equity, Since 31 Aug 24 \| BANKBARODA	5%	₹256 Cr	11,000,000
NMDC Ltd (Basic Materials) Equity, Since 31 Oct 23 \| NMDC	4%	₹192 Cr	27,900,000
Indian Bank (Financial Services) Equity, Since 30 Jun 21 \| INDIANB	3%	₹159 Cr	2,427,235 ↑ 900,000
General Insurance Corp of India (Financial Services) Equity, Since 31 May 24 \| GICRE	3%	₹151 Cr	4,150,000

3. 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.

Research Highlights for Invesco India PSU Equity Fund

Bottom quartile AUM (₹1,341 Cr).
Established history (15+ yrs).
Rating: 3★ (lower mid).
Risk profile: High.
5Y return: 30.21% (lower mid).
3Y return: 32.70% (bottom quartile).
1Y return: -1.63% (lower mid).
Alpha: 5.81 (upper mid).
Sharpe: -0.58 (lower mid).
Information ratio: -0.46 (lower mid).
Top sector: Utility.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~97%).
Largest holding Bharat Electronics Ltd (~8.8%).

Below is the key information for Invesco India PSU Equity Fund

Invesco India PSU Equity Fund Growth
Launch Date	18 Nov 09
NAV (03 Oct 25)	₹64.64 ↑ 0.72 (1.13 %)
Net Assets (Cr)	₹1,341 on 31 Aug 25
Category	Equity - Sectoral
AMC	Invesco Asset Management (India) Private Ltd
Rating	☆☆☆
Risk	High
Expense Ratio	2.14
Sharpe Ratio	-0.58
Information Ratio	-0.46
Alpha Ratio	5.81
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
30 Sep 20	₹10,000
30 Sep 21	₹15,713
30 Sep 22	₹16,205
30 Sep 23	₹22,862
30 Sep 24	₹38,870
30 Sep 25	₹36,848

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 1 Oct 25

Duration	Returns
1 Month	5%
3 Month	-1%
6 Month	11.6%
1 Year	-1.6%
3 Year	32.7%
5 Year	30.2%
10 Year
15 Year
Since launch	12.5%

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
Hiten Jain	1 Jul 25	0.17 Yr.
Sagar Gandhi	1 Jul 25	0.17 Yr.

Data below for Invesco India PSU Equity Fund as on 31 Aug 25

Equity Sector Allocation

Sector	Value
Utility	30.07%
Industrials	27.52%
Financial Services	22.26%
Energy	13.52%
Basic Materials	4.07%

Asset Allocation

Asset Class	Value
Cash	2.56%
Equity	97.44%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Bharat Electronics Ltd (Industrials) Equity, Since 31 Mar 17 \| BEL	9%	₹117 Cr	3,178,489
State Bank of India (Financial Services) Equity, Since 28 Feb 21 \| SBIN	9%	₹114 Cr	1,426,314
NTPC Ltd (Utilities) Equity, Since 31 May 19 \| NTPC	8%	₹101 Cr	3,085,790
Bharat Petroleum Corp Ltd (Energy) Equity, Since 30 Sep 18 \| BPCL	7%	₹100 Cr	3,229,041 ↓ -216,920
Power Grid Corp Of India Ltd (Utilities) Equity, Since 28 Feb 22 \| POWERGRID	7%	₹99 Cr	3,599,413
Hindustan Aeronautics Ltd Ordinary Shares (Industrials) Equity, Since 31 May 22 \| HAL	7%	₹98 Cr	226,465
NTPC Green Energy Ltd (Utilities) Equity, Since 30 Nov 24 \| NTPCGREEN	7%	₹91 Cr	8,790,786 ↑ 2,879,063
NHPC Ltd (Utilities) Equity, Since 31 Oct 22 \| NHPC	4%	₹59 Cr	7,649,437
GAIL (India) Ltd (Utilities) Equity, Since 28 Feb 23 \| GAIL	4%	₹53 Cr	3,089,630
REC Ltd (Financial Services) Equity, Since 31 Aug 23 \| RECLTD	4%	₹52 Cr	1,485,615

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.