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Mutual Fund Return Calculator

Updated on November 29, 2023 , 30574 views

Mutual Fund return calculator refers to a smart tool that helps us to check how the investment grows over a period of time. People can invest in Mutual Funds either through lumpsum or SIP mode. In the lumpsum mode, people invest a considerable amount at one stretch and hold it for a certain period. Contrarily, in SIP mode people invest in small amounts at regular intervals. Therefore, the calculator plays a key role in any investment mode. So, let us understand how the importance of Mutual Fund return calculator both lumpsum and SIP ones, how to use them and the best mutual funds for investment.

Mutual Fund SIP Calculator

sip calculator is a smart tool that helps to determine the amount to be invested along with the tenure to attain their objectives. It also shows how the SIP investment grows over a period of time. As SIP is known as a goal-based investment; through SIP people plan to attain various objectives such as purchasing a house, purchasing a vehicle, Retirement planning, and much more. The illustration given below shows how the SIP investment grows over a given period.

Know Your SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹720,000
expected amount after 10 Years is ₹1,665,176.
Net Profit of ₹945,176
Invest Now

Illustration

  • Monthly Investment: INR 1,500
  • Investment Tenure: 12 Years
  • Total Amount Invested: INR 2,16,000
  • Expected Long-term Growth on Investment: 16% (approx.)
  • Expected Long-term Inflation: 5% (approx.)

The graph given below shows how the SIP investment grows given the above-mentioned parameters grows over the tenure 12 years.

SIP Calculator

From the above image, we can say that at the end of 12th year, the total value of the investment would be INR 4,32,809 and the net profit on the investment would be INR 2,16,809.

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How does a Mutual Fund SIP Calculator Work?

In order to check how the SIP calculator works, there are certain details or questions whose related data need to be entered. So, let us look at the questions that need to be answered to find how the SIP calculator works:

  1. What would be the tenure of the investment or for how long are you planning to invest.
  2. How much amount are you planning to invest.
  3. Your expected growth rate in the equity Market for long-run.
  4. Your expected inflation rate in the long-term.

You need to be ready with the data related to the questions before doing the calculation. People also click on Next button after entering the details wherever required. Thus, we can say that by using Mutual Fund return calculator related to SIP, people can assess what will be their SIP value at the end of their expected tenure.

Now, let us shift our focus towards Lumpsum calculator.

Mutual Fund Lumpsum Return Calculator

Lumpsum investment in Mutual Fund refers to the Investing a considerable amount in Mutual Funds as a onetime activity. People having a considerable amount lying in their Bank account can choose to invest lump sum amount. There is a difference between a lumpsum calculator and SIP calculator. The lumpsum calculator helps people to assess how their onetime investment grows over a period of time. So, let us understand how the lumpsum returns grow over a given timeframe.

Know Your Lumpsum Amount

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

₹226,684 one time (Lumpsum)  for 10 Years
to achieve ₹1,000,000
Invest Now

Illustration

  • Onetime Investment Amount: INR 15,000
  • Investment Tenure: 12 Years
  • Total Amount Invested: INR 15,000
  • Expected Long-term Growth on Investment: 16% (approx.)
  • Expected Long-term Inflation: 5% (approx.)

The graph given below shows how the lumpsum investment grows given the above-mentioned parameters grows over the tenure 12 years.

Lumpsum Calculator

From the above image, we can say that at the end of 12th year, the total value of the investment would be INR 52,477 and the net profit on the investment would be INR 37,477.

How does a Mutual Fund Lumpsum Return Calculator Work?

The functioning process of a Mutual Fund lumpsum return calculator and SIP calculator is the same. However, people in this situation need to enter the lumpsum investment amount instead of SIP amount. However, the rest of the data related to investment tenure, expected long-term growth rate, and expected long-term inflation remains the same. Here too, you need to be ready with the data related to the questions before doing the calculation and click on Next button after entering the details wherever required.

Thus, we can say it is easy to use both the Mutual Fund calculators for lumpsum as well as SIP investment. Nevertheless, though people can use both of them but before making any investment; it is important to understand the modalities of the scheme completely. In addition, people can consult a financial advisor if required, to ensure that their investment gives them the required returns.

Top Funds for 2023

*Best funds based on 3 year performance.

1. ICICI Prudential Infrastructure Fund

To generate capital appreciation and income distribution to unit holders by investing predominantly in equity/equity related securities of the companies belonging to the infrastructure development and balance in debt securities and money market instruments.

ICICI Prudential Infrastructure Fund is a Equity - Sectoral fund was launched on 31 Aug 05. It is a fund with High risk and has given a CAGR/Annualized return of 15.3% since its launch.  Ranked 27 in Sectoral category.  Return for 2022 was 28.8% , 2021 was 50.1% and 2020 was 3.6% .

Below is the key information for ICICI Prudential Infrastructure Fund

ICICI Prudential Infrastructure Fund
Growth
Launch Date 31 Aug 05
NAV (01 Dec 23) ₹134.47 ↑ 1.24   (0.93 %)
Net Assets (Cr) ₹3,345 on 31 Oct 23
Category Equity - Sectoral
AMC ICICI Prudential Asset Management Company Limited
Rating
Risk High
Expense Ratio 2.22
Sharpe Ratio 1.75
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 100
Exit Load 0-1 Years (1%),1 Years and above(NIL)

Growth of 10,000 investment over the years.

DateValue
30 Nov 18₹10,000
30 Nov 19₹10,619
30 Nov 20₹9,930
30 Nov 21₹16,421
30 Nov 22₹21,274
30 Nov 23₹28,149

ICICI Prudential 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 ₹543,623.
Net Profit of ₹243,623
Invest Now

Returns for ICICI Prudential 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 1 Dec 23

DurationReturns
1 Month 10.2%
3 Month 8.7%
6 Month 24.1%
1 Year 32.8%
3 Year 41%
5 Year 23.2%
10 Year
15 Year
Since launch 15.3%
Historical performance (Yearly) on absolute basis
YearReturns
2022 28.8%
2021 50.1%
2020 3.6%
2019 2.6%
2018 -14%
2017 40.8%
2016 2%
2015 -3.4%
2014 56.2%
2013 -5%
Fund Manager information for ICICI Prudential Infrastructure Fund
NameSinceTenure
Ihab Dalwai3 Jun 176.42 Yr.
Sharmila D’mello30 Jun 221.34 Yr.

Data below for ICICI Prudential Infrastructure Fund as on 31 Oct 23

Equity Sector Allocation
SectorValue
Industrials27.88%
Financial Services17.23%
Utility16.88%
Basic Materials14.87%
Energy11.35%
Communication Services4.16%
Consumer Cyclical1.28%
Real Estate1.11%
Asset Allocation
Asset ClassValue
Cash4.14%
Equity94.76%
Debt1.1%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
NTPC Ltd (Utilities)
Equity, Since 29 Feb 16 | 532555
9%₹288 Cr12,212,000
↑ 500,000
Larsen & Toubro Ltd (Industrials)
Equity, Since 30 Nov 09 | LT
6%₹211 Cr720,493
↑ 143,115
ICICI Bank Ltd (Financial Services)
Equity, Since 31 Dec 16 | ICICIBANK
5%₹169 Cr1,850,000
↑ 370,000
Bharti Airtel Ltd (Communication Services)
Equity, Since 30 Apr 16 | BHARTIARTL
4%₹139 Cr1,520,601
Oil & Natural Gas Corp Ltd (Energy)
Equity, Since 30 Jun 17 | 500312
4%₹133 Cr7,145,300
Kalpataru Projects International Ltd (Industrials)
Equity, Since 30 Sep 06 | KPIL
4%₹119 Cr1,800,000
↓ -41,962
HDFC Bank Ltd (Financial Services)
Equity, Since 31 Jan 22 | HDFCBANK
3%₹106 Cr720,000
NCC Ltd (Industrials)
Equity, Since 31 Aug 21 | NCC
3%₹91 Cr6,300,000
InterGlobe Aviation Ltd (Industrials)
Equity, Since 28 Feb 23 | INDIGO
2%₹75 Cr305,301
↑ 40,000
Grasim Industries Ltd (Basic Materials)
Equity, Since 31 Aug 23 | GRASIM
2%₹72 Cr382,000
↑ 90,000

2. 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 2022 was 19.3% , 2021 was 43.2% and 2020 was -7.5% .

Below is the key information for HDFC Infrastructure Fund

HDFC Infrastructure Fund
Growth
Launch Date 10 Mar 08
NAV (01 Dec 23) ₹34.485 ↑ 0.29   (0.85 %)
Net Assets (Cr) ₹958 on 31 Oct 23
Category Equity - Sectoral
AMC HDFC Asset Management Company Limited
Rating
Risk High
Expense Ratio 2.56
Sharpe Ratio 1.82
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.

DateValue
30 Nov 18₹10,000
30 Nov 19₹10,161
30 Nov 20₹8,001
30 Nov 21₹12,816
30 Nov 22₹15,701
30 Nov 23₹22,153

HDFC 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 ₹470,047.
Net Profit of ₹170,047
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 1 Dec 23

DurationReturns
1 Month 8.8%
3 Month 9.1%
6 Month 35.8%
1 Year 41.7%
3 Year 40.2%
5 Year 17.4%
10 Year
15 Year
Since launch
Historical performance (Yearly) on absolute basis
YearReturns
2022 19.3%
2021 43.2%
2020 -7.5%
2019 -3.4%
2018 -29%
2017 43.3%
2016 -1.9%
2015 -2.5%
2014 73.9%
2013 -14.4%
Fund Manager information for HDFC Infrastructure Fund
NameSinceTenure
Rakesh Vyas1 Jun 194.42 Yr.
Dhruv Muchhal22 Jun 230.36 Yr.

Data below for HDFC Infrastructure Fund as on 31 Oct 23

Equity Sector Allocation
SectorValue
Industrials45.96%
Financial Services16.51%
Basic Materials10.25%
Energy6.22%
Utility5.13%
Consumer Cyclical3.25%
Technology2.41%
Real Estate1.99%
Communication Services1.34%
Asset Allocation
Asset ClassValue
Cash6.94%
Equity93.06%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
J Kumar Infraprojects Ltd (Industrials)
Equity, Since 31 Oct 15 | JKIL
7%₹65 Cr1,613,625
Larsen & Toubro Ltd (Industrials)
Equity, Since 30 Jun 12 | LT
6%₹61 Cr209,762
Coal India Ltd (Energy)
Equity, Since 31 Oct 18 | COALINDIA
6%₹55 Cr1,765,000
Premier Explosives Ltd (Basic Materials)
Equity, Since 31 May 17 | PREMEXPLN
5%₹49 Cr375,467
↑ 18,371
NTPC Ltd (Utilities)
Equity, Since 31 Dec 17 | 532555
5%₹49 Cr2,084,125
Kalpataru Projects International Ltd (Industrials)
Equity, Since 31 Jan 23 | KPIL
5%₹45 Cr683,608
ICICI Bank Ltd (Financial Services)
Equity, Since 31 Oct 09 | ICICIBANK
4%₹43 Cr465,000
↑ 20,000
State Bank of India (Financial Services)
Equity, Since 31 Mar 08 | SBIN
4%₹40 Cr704,361
G R Infraprojects Ltd (Industrials)
Equity, Since 31 Jul 21 | 543317
3%₹30 Cr269,267
↑ 30,000
AIA Engineering Ltd (Industrials)
Equity, Since 31 Oct 21 | AIAENG
3%₹25 Cr71,061

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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