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Mutual Fund Calculator

Updated on January 22, 2026 , 45299 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

Know Your Lumpsum Amount

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

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

SIP Calculator

Know Your SIP Returns

   
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 Invest Now

Fund Selection Methodology used to find 3 funds

  • Category: Equity
  • AUM Range: 100 to 5000 Cr
  • Minimum fund age: 3 years
  • Sorted On : 1-year return (high to low)
  • No Of Funds: 3

Top Funds for 2026

*Best funds based on 1 year performance.

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 (₹1,756 Cr).
  • Oldest track record among peers (18 yrs).
  • Top rated.
  • Risk profile: High.
  • 5Y return: 27.87% (upper mid).
  • 3Y return: 53.60% (upper mid).
  • 1Y return: 187.32% (upper mid).
  • Alpha: 1.32 (upper mid).
  • Sharpe: 3.42 (upper mid).
  • Information ratio: -0.67 (lower mid).
  • Top sector: Basic Materials.
  • Top bond sector: Cash Equivalent.
  • Equity-heavy allocation (~95%).
  • Largest holding BGF World Gold I2 (~73.7%).
  • Top-3 holdings concentration ~100.4%.

Below is the key information for DSP World Gold Fund

DSP World Gold Fund
Growth
Launch Date 14 Sep 07
NAV (22 Jan 26) ₹63.4986 ↑ 0.20   (0.31 %)
Net Assets (Cr) ₹1,756 on 31 Dec 25
Category Equity - Global
AMC DSP BlackRock Invmt Managers Pvt. Ltd.
Rating ☆☆☆
Risk High
Expense Ratio 1.41
Sharpe Ratio 3.42
Information Ratio -0.67
Alpha Ratio 1.32
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
31 Dec 20₹10,000
31 Dec 21₹9,101
31 Dec 22₹8,405
31 Dec 23₹8,991
31 Dec 24₹10,424
31 Dec 25₹27,842

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 ₹598,181.
Net Profit of ₹298,181 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 22 Jan 26

DurationReturns
1 Month 15.7%
3 Month 36.6%
6 Month 102.2%
1 Year 187.3%
3 Year 53.6%
5 Year 27.9%
10 Year
15 Year
Since launch 10.6%
Historical performance (Yearly) on absolute basis
YearReturns
2024 167.1%
2023 15.9%
2022 7%
2021 -7.7%
2020 -9%
2019 31.4%
2018 35.1%
2017 -10.7%
2016 -4%
2015 52.7%
Fund Manager information for DSP World Gold Fund
NameSinceTenure
Jay Kothari1 Mar 1312.85 Yr.

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

Equity Sector Allocation
SectorValue
Basic Materials94.95%
Asset Allocation
Asset ClassValue
Cash2.43%
Equity94.95%
Debt0.01%
Other2.6%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
BGF World Gold I2
Investment Fund | -		74%₹1,294 Cr1,219,254
↓ -59,731
VanEck Gold Miners ETF
- | GDX		25%₹442 Cr573,719
Treps / Reverse Repo Investments
CBLO/Reverse Repo | -		2%₹28 Cr
Net Receivables/Payables
Net Current Assets | -		0%-₹8 Cr

2. DSP World Mining Fund

The primary investment objective of the Scheme is to seek capital appreciation by investing predominantly in the units of BlackRock Global Funds – World Mining Fund. 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 money market/liquid schemes of DSP BlackRock Mutual Fund, in order to meet liquidity requirements from time to time.

Research Highlights for DSP World Mining Fund

  • Bottom quartile AUM (₹154 Cr).
  • Established history (16+ yrs).
  • Rating: 3★ (lower mid).
  • Risk profile: High.
  • 5Y return: 19.37% (lower mid).
  • 3Y return: 20.95% (lower mid).
  • 1Y return: 96.68% (lower mid).
  • Alpha: 0.00 (lower mid).
  • Sharpe: 3.27 (lower mid).
  • Information ratio: 0.00 (upper mid).
  • Top sector: Basic Materials.
  • Top bond sector: Cash Equivalent.
  • Equity-heavy allocation (~98%).
  • Largest holding BGF World Mining I2 (~99.0%).
  • Top-3 holdings concentration ~102.1%.

Below is the key information for DSP World Mining Fund

DSP World Mining Fund
Growth
Launch Date 29 Dec 09
NAV (22 Jan 26) ₹31.2987 ↓ -0.26   (-0.83 %)
Net Assets (Cr) ₹154 on 31 Dec 25
Category Equity - Global
AMC DSP BlackRock Invmt Managers Pvt. Ltd.
Rating ☆☆☆
Risk High
Expense Ratio 1.14
Sharpe Ratio 3.27
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
31 Dec 20₹10,000
31 Dec 21₹11,803
31 Dec 22₹13,238
31 Dec 23₹13,240
31 Dec 24₹12,171
31 Dec 25₹21,791

DSP World Mining 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 DSP World Mining Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 22 Jan 26

DurationReturns
1 Month 16.5%
3 Month 35.1%
6 Month 71%
1 Year 96.7%
3 Year 20.9%
5 Year 19.4%
10 Year
15 Year
Since launch 7.4%
Historical performance (Yearly) on absolute basis
YearReturns
2024 79%
2023 -8.1%
2022 0%
2021 12.2%
2020 18%
2019 34.9%
2018 21.5%
2017 -9.4%
2016 21.1%
2015 49.7%
Fund Manager information for DSP World Mining Fund
NameSinceTenure
Jay Kothari1 Mar 1312.85 Yr.

Data below for DSP World Mining Fund as on 31 Dec 25

Equity Sector Allocation
SectorValue
Basic Materials97.27%
Energy1.09%
Asset Allocation
Asset ClassValue
Cash1.64%
Equity98.36%
Debt0%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
BGF World Mining I2
Investment Fund | -		99%₹152 Cr150,390
↓ -43,229
Treps / Reverse Repo Investments
CBLO/Reverse Repo | -		2%₹3 Cr
Net Receivables/Payables
Net Current Assets | -		1%-₹2 Cr

3. Edelweiss Emerging Markets Opportunities Equity Off-shore Fund

The primary investment objective of the Scheme is to seek to provide long term capital growth by investing predominantly in the JPMorgan Funds - Emerging Markets Opportunities Fund, an equity fund which invests primarily in an aggressively managed portfolio of emerging market companies

Research Highlights for Edelweiss Emerging Markets Opportunities Equity Off-shore Fund

  • Lower mid AUM (₹169 Cr).
  • Established history (11+ yrs).
  • Rating: 3★ (bottom quartile).
  • Risk profile: High.
  • 5Y return: 4.31% (bottom quartile).
  • 3Y return: 17.17% (bottom quartile).
  • 1Y return: 50.08% (bottom quartile).
  • Alpha: -0.64 (bottom quartile).
  • Sharpe: 2.63 (bottom quartile).
  • Information ratio: -0.95 (bottom quartile).
  • Top sector: Technology.
  • Top bond sector: Cash Equivalent.
  • Equity-heavy allocation (~96%).
  • Largest holding JPM Emerging Mkts Opps I (acc) USD (~97.0%).
  • Top-3 holdings concentration ~100.8%.

Below is the key information for Edelweiss Emerging Markets Opportunities Equity Off-shore Fund

Edelweiss Emerging Markets Opportunities Equity Off-shore Fund
Growth
Launch Date 7 Jul 14
NAV (22 Jan 26) ₹23.0576 ↑ 0.26   (1.13 %)
Net Assets (Cr) ₹169 on 31 Dec 25
Category Equity - Global
AMC Edelweiss Asset Management Limited
Rating ☆☆☆
Risk High
Expense Ratio 1.04
Sharpe Ratio 2.63
Information Ratio -0.95
Alpha Ratio -0.64
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
31 Dec 20₹10,000
31 Dec 21₹9,410
31 Dec 22₹7,826
31 Dec 23₹8,254
31 Dec 24₹8,743
31 Dec 25₹12,337

Edelweiss Emerging Markets Opportunities Equity Off-shore Fund SIP Returns

   
My Monthly Investment:
₹
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹340,450.
Net Profit of ₹40,450 Invest Now

Returns for Edelweiss Emerging Markets Opportunities Equity Off-shore Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 22 Jan 26

DurationReturns
1 Month 11.2%
3 Month 14.7%
6 Month 32%
1 Year 50.1%
3 Year 17.2%
5 Year 4.3%
10 Year
15 Year
Since launch 7.5%
Historical performance (Yearly) on absolute basis
YearReturns
2024 41.1%
2023 5.9%
2022 5.5%
2021 -16.8%
2020 -5.9%
2019 21.7%
2018 25.1%
2017 -7.2%
2016 30%
2015 9.8%
Fund Manager information for Edelweiss Emerging Markets Opportunities Equity Off-shore Fund
NameSinceTenure
Bhavesh Jain9 Apr 187.74 Yr.
Bharat Lahoti1 Oct 214.25 Yr.

Data below for Edelweiss Emerging Markets Opportunities Equity Off-shore Fund as on 31 Dec 25

Equity Sector Allocation
SectorValue
Technology26.62%
Financial Services26.13%
Consumer Cyclical13.66%
Communication Services11.61%
Industrials5.31%
Energy5.19%
Basic Materials1.86%
Real Estate1.82%
Utility1.46%
Consumer Defensive1.05%
Health Care0.99%
Asset Allocation
Asset ClassValue
Cash3.86%
Equity95.7%
Other0.44%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
JPM Emerging Mkts Opps I (acc) USD
Investment Fund | -		97%₹164 Cr96,682
Clearing Corporation Of India Ltd.
CBLO/Reverse Repo | -		3%₹6 Cr
Net Receivables/(Payables)
CBLO | -		0%-₹1 Cr
Accrued Interest
CBLO | -		0%₹0 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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