# Mutual Fund Calculator

Updated on August 9, 2024 , 43082 views

## What is Mutual Fund?

A mutual fund is a professionally managed investment scheme. It is run by an asset management company (AMC) which acts like a mediator for the retail investors. The AMC pools in money from a large number of investors and invests it in equity shares, Bonds, money market instruments and other types of securities. Buying a mutual fund is like buying a small slice of a big pizza. Each investor, in return, is assigned a specific number of units proportionate to his invested amount in the fund. The investor is known as the unit holder. The unit holder shares the gains, losses, Income and expenses of the fund in proportion to his investment in the fund.

## What is a Mutual Fund Calculator ?

Mutual Fund Calculator helps us in Calculating our interest return for SIP investments or lump sum investment with the help of Fincash Mutual Fund Calculator below.

## How does a mutual fund calculator work?

Is your mutual fund scheme generating returns in line with your expectation? Are you wondering what amount of SIP would help you in personal goal accomplishment? Get your answers by using our Mutual Fund Calculator! The Mutual Fund Calculator will give you the investment value at maturity by calculating fund returns according to your investment horizon. You can adjust the variables of the calculator like SIP/lump sum, amount of investment, frequency of SIP, expected rate of return and duration of SIP

## Nature of investment ( SIP / Lumpsum )

There are basically two ways of Investing money in your favourite Mutual Funds. You can go via the SIP or the lump sum route

### 1. Lump sum investment

Under a lump sum, you invest one big chunk of your funds in mutual fund scheme of your choice. It generally happens when you receive huge corpus from say sale of an asset or retirement benefits. But investing a lump sum involves greater risk. That’s why it is always recommended to go via the SIP route

### 2. Systematic Investment Plan (SIP)

Under a SIP, you instruct the Bank to deduct a? the fixed sum from your Savings Account every month and invest it in the said mutual fund scheme. In this way, you can buy units continuously without worrying about the right time to enter the Market. You get the benefit of rupee cost averaging and enjoy the Power of Compounding

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## Types of Calculators

### Lumpsum Calculator

My Goal Amount:
Goal Tenure:
Years
Expected Annual Returns:
%

₹566,709 one time (Lumpsum)  for 10 Years
to achieve ₹2,500,000

### SIP Calculator

My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹1,200,000
expected amount after 10 Years is ₹2,775,293.
Net Profit of ₹1,575,293

## Top Funds for 2024

*Best funds based on 1 year performance.

### 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 13.9% since its launch.  Ranked 33 in `Sectoral` category.  Return for 2023 was 54.5% , 2022 was 20.5% and 2021 was 31.1% .

Below is the key information for Invesco India PSU Equity Fund

 Invesco India PSU Equity Fund Growth Launch Date 18 Nov 09 NAV (09 Aug 24) ₹67.68 ↑ 0.62   (0.92 %) Net Assets (Cr) ₹1,363 on 30 Jun 24 Category Equity - Sectoral AMC Invesco Asset Management (India) Private Ltd Rating ☆☆☆ Risk High Expense Ratio 2.46 Sharpe Ratio 3.34 Information Ratio -0.8 Alpha Ratio 6.33 Min Investment 5,000 Min SIP Investment 500 Exit Load 0-1 Years (1%),1 Years and above(NIL)

DateValue
31 Jul 19₹10,000
31 Jul 20₹10,662
31 Jul 21₹15,018
31 Jul 22₹15,757
31 Jul 23₹22,193
31 Jul 24₹41,631

#### Invesco India PSU Equity Fund SIP Returns

My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹673,113.
Net Profit of ₹373,113

#### 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 9 Aug 24

DurationReturns
1 Month -3.5%
3 Month 17.4%
6 Month 24.2%
1 Year 84%
3 Year 39.1%
5 Year 32.6%
10 Year
15 Year
Since launch 13.9%
YearReturns
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%
2014 54.5%
##### Fund Manager information for Invesco India PSU Equity Fund
NameSinceTenure
Dhimant Kothari19 May 204.12 Yr.

#### Data below for Invesco India PSU Equity Fund as on 30 Jun 24

##### Equity Sector Allocation
SectorValue
Industrials36.61%
Financial Services23.51%
Utility22.33%
Energy14.56%
Asset ClassValue
Cash2.99%
Equity97.01%
##### Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Power Grid Corp Of India Ltd (Utilities)
Equity, Since 28 Feb 22 | POWERGRID
9%₹118 Cr3,556,510
↑ 897,947
Hindustan Aeronautics Ltd Ordinary Shares (Industrials)
Equity, Since 31 May 22 | HAL
9%₹117 Cr221,859
Bharat Electronics Ltd (Industrials)
Equity, Since 31 Mar 17 | BEL
8%₹114 Cr3,715,873
NTPC Ltd (Utilities)
Equity, Since 31 May 19 | NTPC
8%₹104 Cr2,741,416
↑ 223,921
State Bank of India (Financial Services)
Equity, Since 28 Feb 21 | SBIN
7%₹101 Cr1,189,110
↑ 114,962
Bharat Petroleum Corp Ltd (Energy)
Equity, Since 30 Sep 18 | BPCL
6%₹84 Cr2,775,528
↑ 1,220,272
Coal India Ltd (Energy)
Equity, Since 31 Aug 23 | COALINDIA
6%₹81 Cr1,711,852
Bank of Baroda (Financial Services)
Equity, Since 30 Jun 21 | BANKBARODA
5%₹71 Cr2,560,301
↑ 1,092,411
Bharat Dynamics Ltd Ordinary Shares (Industrials)
Equity, Since 31 May 22 | BDL
5%₹70 Cr439,050
↑ 16,813
BEML Ltd (Industrials)
Equity, Since 31 Aug 23 | BEML
4%₹55 Cr124,817

### 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 9.1% since its launch.  Ranked 31 in `Sectoral` category.  Return for 2023 was 54% , 2022 was 29% and 2021 was 32.4% .

Below is the key information for SBI PSU Fund

 SBI PSU Fund Growth Launch Date 7 Jul 10 NAV (09 Aug 24) ₹33.9181 ↑ 0.33   (0.97 %) Net Assets (Cr) ₹3,695 on 30 Jun 24 Category Equity - Sectoral AMC SBI Funds Management Private Limited Rating ☆☆ Risk High Expense Ratio 2.52 Sharpe Ratio 2.82 Information Ratio -1.09 Alpha Ratio -5.09 Min Investment 5,000 Min SIP Investment 500 Exit Load 0-1 Years (1%),1 Years and above(NIL)

DateValue
31 Jul 19₹10,000
31 Jul 20₹8,326
31 Jul 21₹12,187
31 Jul 22₹13,257
31 Jul 23₹18,629
31 Jul 24₹34,956

#### SBI PSU Fund SIP Returns

My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹612,552.
Net Profit of ₹312,552

#### 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 9 Aug 24

DurationReturns
1 Month -0.5%
3 Month 12.9%
6 Month 17.6%
1 Year 83.9%
3 Year 41.2%
5 Year 28.7%
10 Year
15 Year
Since launch 9.1%
YearReturns
2023 54%
2022 29%
2021 32.4%
2020 -10%
2019 6%
2018 -23.8%
2017 21.9%
2016 16.2%
2015 -11.1%
2014 41.5%
##### Fund Manager information for SBI PSU Fund
NameSinceTenure
Rohit Shimpi1 Jun 240.08 Yr.

#### Data below for SBI PSU Fund as on 30 Jun 24

##### Equity Sector Allocation
SectorValue
Financial Services31.38%
Utility22.65%
Energy15.95%
Industrials13.12%
Basic Materials8.45%
Asset ClassValue
Cash8.45%
Equity91.55%
##### Top Securities Holdings / Portfolio
NameHoldingValueQuantity
State Bank of India (Financial Services)
Equity, Since 31 Jul 10 | SBIN
14%₹524 Cr6,177,500
↑ 2,300,000
GAIL (India) Ltd (Utilities)
Equity, Since 31 May 24 | GAIL
9%₹340 Cr15,500,000
↑ 12,450,000
Power Grid Corp Of India Ltd (Utilities)
Equity, Since 31 Jul 10 | POWERGRID
9%₹332 Cr10,035,554
↑ 4,150,000
NTPC Ltd (Utilities)
Equity, Since 31 Jul 10 | NTPC
4%₹164 Cr4,343,244
Bharat Electronics Ltd (Industrials)
Equity, Since 30 Jun 24 | BEL
4%₹147 Cr4,800,000
↑ 4,800,000
Coal India Ltd (Energy)
Equity, Since 30 Sep 21 | COALINDIA
4%₹130 Cr2,750,000
Life Insurance Corporation of India (Financial Services)
Equity, Since 29 Feb 24 | 543526
4%₹130 Cr1,310,000
↑ 460,000
Petronet LNG Ltd (Energy)
Equity, Since 30 Jun 24 | PETRONET
3%₹116 Cr3,500,000
↑ 3,500,000
General Insurance Corp of India (Financial Services)
Equity, Since 31 May 24 | GICRE
3%₹114 Cr3,000,000
↑ 1,800,000
SBI Life Insurance Company Limited (Financial Services)
Equity, Since 30 Jun 24 | SBILIFE
3%₹112 Cr750,000
↑ 750,000

### 3. LIC MF Infrastructure Fund

The investment objective of the scheme is to provide long term growth from a portfolio of equity / equity related instruments of companies engaged either directly or indirectly in the infrastructure sector.

LIC MF Infrastructure Fund is a Equity - Sectoral fund was launched on 29 Feb 08. It is a fund with High risk and has given a `CAGR/Annualized` return of 10.4% since its launch.  Return for 2023 was 44.4% , 2022 was 7.9% and 2021 was 46.6% .

Below is the key information for LIC MF Infrastructure Fund

 LIC MF Infrastructure Fund Growth Launch Date 29 Feb 08 NAV (09 Aug 24) ₹50.9106 ↑ 0.55   (1.09 %) Net Assets (Cr) ₹430 on 30 Jun 24 Category Equity - Sectoral AMC LIC Mutual Fund Asset Mgmt Co Ltd Rating Not Rated Risk High Expense Ratio 2.29 Sharpe Ratio 4.18 Information Ratio 0.83 Alpha Ratio 37.85 Min Investment 5,000 Min SIP Investment 1,000 Exit Load 0-1 Years (1%),1 Years and above(NIL)

DateValue
31 Jul 19₹10,000
31 Jul 20₹8,895
31 Jul 21₹14,429
31 Jul 22₹16,621
31 Jul 23₹20,542
31 Jul 24₹38,021

#### LIC MF Infrastructure Fund SIP Returns

My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹642,208.
Net Profit of ₹342,208

#### Returns for LIC MF 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 9 Aug 24

DurationReturns
1 Month -2.8%
3 Month 26.1%
6 Month 35.7%
1 Year 79.5%
3 Year 36.5%
5 Year 30.1%
10 Year
15 Year
Since launch 10.4%
YearReturns
2023 44.4%
2022 7.9%
2021 46.6%
2020 -0.1%
2019 13.3%
2018 -14.6%
2017 42.2%
2016 -2.2%
2015 -6.2%
2014 49.6%
##### Fund Manager information for LIC MF Infrastructure Fund
NameSinceTenure
Yogesh Patil18 Sep 203.79 Yr.
Mahesh Bendre1 Jul 240 Yr.

#### Data below for LIC MF Infrastructure Fund as on 30 Jun 24

##### Equity Sector Allocation
SectorValue
Industrials56.79%
Basic Materials9.34%
Utility8.35%
Consumer Cyclical7.16%
Financial Services5.04%
Technology2.88%
Real Estate2.32%
Health Care0.85%
Communication Services0.65%
Asset ClassValue
Cash6.62%
Equity93.38%
##### Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Schneider Electric Infrastructure Ltd (Industrials)
Equity, Since 31 Dec 23 | SCHNEIDER
4%₹17 Cr201,633
↑ 23,278
Bharat Bijlee Ltd (Industrials)
Equity, Since 31 Jul 22 | BBL
4%₹17 Cr37,266
↑ 2,018
Garware Hi-Tech Films Ltd (Basic Materials)
Equity, Since 31 Aug 23 | 500655
4%₹17 Cr72,151
↓ -4,188
Shakti Pumps (India) Ltd (Industrials)
Equity, Since 31 Mar 24 | SHAKTIPUMP
4%₹15 Cr41,374
Texmaco Rail & Engineering Ltd (Industrials)
Equity, Since 30 Nov 23 | TEXRAIL
3%₹15 Cr597,104
Gujarat State Petronet Ltd (Utilities)
Equity, Since 31 Oct 20 | GSPL
3%₹14 Cr475,703
↑ 178,599
Cummins India Ltd (Industrials)
Equity, Since 31 May 21 | CUMMINSIND
3%₹13 Cr33,813
GE T&D India Ltd (Industrials)
Equity, Since 31 Jan 24 | GET&D
3%₹13 Cr86,036
Kirloskar Oil Engines Ltd (Industrials)
Equity, Since 31 Oct 23 | KIRLOSENG
2%₹10 Cr72,593
REC Ltd (Financial Services)
Equity, Since 31 Jul 23 | RECLTD
2%₹10 Cr187,819

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.