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Mutual Fund Return Calculator

Updated on December 11, 2019 , 1070 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 2019

*Best funds based on 3 year performance.

1. SBI Banking & Financial Services Fund

The investment objective of the scheme is to generate long-term capital appreciation to unit holders from a portfolio that is invested predominantly in equity and equity related securities of companies engaged in banking and financial services. However, there can be no assurance that the investment objective of the Scheme will be realized.

SBI Banking & Financial Services Fund is a Equity - Sectoral fund was launched on 26 Feb 15. It is a fund with High risk and has given a CAGR/Annualized return of 15.6% since its launch.  Return for 2018 was 9.5% , 2017 was 40.7% and 2016 was 17% .

Below is the key information for SBI Banking & Financial Services Fund

SBI Banking & Financial Services Fund
Growth
Launch Date 26 Feb 15
NAV (13 Dec 19) ₹20.0071 ↑ 0.15   (0.77 %)
Net Assets (Cr) ₹1,196 on 31 Oct 19
Category Equity - Sectoral
AMC SBI Funds Management Private Limited
Rating Not Rated
Risk High
Expense Ratio 2.74
Sharpe Ratio 1.26
Information Ratio -0.55
Alpha Ratio 0.5
Min Investment 5,000
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 Nov 15₹9,324
30 Nov 16₹11,226
30 Nov 17₹15,020
30 Nov 18₹15,966
30 Nov 19₹19,878

SBI Banking & Financial Services Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹530,691.
Net Profit of ₹230,691
Invest Now

Returns for SBI Banking & Financial Services Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 13 Dec 19

DurationReturns
1 Month 3.5%
3 Month 14.6%
6 Month 6.6%
1 Year 22.6%
3 Year 22.4%
5 Year
10 Year
15 Year
Since launch 15.6%
Historical performance (Yearly) on absolute basis
YearReturns
2018 9.5%
2017 40.7%
2016 17%
2015
2014
2013
2012
2011
2010
2009
Fund Manager information for SBI Banking & Financial Services Fund
NameSinceTenure
Milind Agrawal1 Aug 190.25 Yr.

Data below for SBI Banking & Financial Services Fund as on 31 Oct 19

Equity Sector Allocation
SectorValue
Financial Services98.63%
Asset Allocation
Asset ClassValue
Cash1.37%
Equity98.63%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
HDFC Bank Ltd (Financial Services)
Equity, Since 28 Feb 15 | HDFCBANK
24%₹292 Cr2,371,360
↑ 137,500
ICICI Bank Ltd (Financial Services)
Equity, Since 31 Dec 16 | ICICIBANK
13%₹160 Cr3,445,814
State Bank of India (Financial Services)
Equity, Since 31 Jul 18 | SBIN
9%₹106 Cr3,385,000
Axis Bank Ltd (Financial Services)
Equity, Since 30 Jun 18 | 532215
9%₹102 Cr1,390,000
Kotak Mahindra Bank Ltd (Financial Services)
Equity, Since 31 Mar 15 | KOTAKBANK
8%₹100 Cr636,000
ICICI Lombard General Insurance Co Ltd (Financial Services)
Equity, Since 30 Sep 19 | 540716
6%₹72 Cr535,000
↑ 250,000
AU Small Finance Bank Ltd (Financial Services)
Equity, Since 31 Jul 17 | 540611
6%₹71 Cr1,038,045
↓ -293,279
ICICI Prudential Life Insurance Co Ltd (Financial Services)
Equity, Since 31 Mar 19 | ICICIPRULI
5%₹61 Cr1,200,000
Bajaj Finance Ltd (Financial Services)
Equity, Since 30 Sep 17 | 500034
3%₹37 Cr92,000
Muthoot Finance Ltd (Financial Services)
Equity, Since 30 Sep 19 | 533398
3%₹32 Cr447,665

2. TATA Banking and Financial Services Fund

The investment objective of the scheme is to seek long term capital appreciation by investing atleast 80% of its net assets in equity/equity related instruments of the companies in the Banking and Financial Services sector in India.

TATA Banking and Financial Services Fund is a Equity - Sectoral fund was launched on 28 Dec 15. It is a fund with High risk and has given a CAGR/Annualized return of 21% since its launch.  Return for 2018 was -0.1% , 2017 was 45% and 2016 was 17.8% .

Below is the key information for TATA Banking and Financial Services Fund

TATA Banking and Financial Services Fund
Growth
Launch Date 28 Dec 15
NAV (13 Dec 19) ₹21.2682 ↑ 0.16   (0.74 %)
Net Assets (Cr) ₹372 on 31 Oct 19
Category Equity - Sectoral
AMC Tata Asset Management Limited
Rating Not Rated
Risk High
Expense Ratio 2.5
Sharpe Ratio 1.44
Information Ratio -0.52
Alpha Ratio 3.01
Min Investment 5,000
Min SIP Investment 500
Exit Load 0-3 Months (0.25%),3 Months and above(NIL)

Growth of 10,000 investment over the years.

DateValue
30 Nov 16₹12,054
30 Nov 17₹16,718
30 Nov 18₹16,704
30 Nov 19₹20,937

TATA Banking and Financial Services Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹518,033.
Net Profit of ₹218,033
Invest Now

Returns for TATA Banking and Financial Services Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 13 Dec 19

DurationReturns
1 Month 3.8%
3 Month 13.9%
6 Month 6.7%
1 Year 26.6%
3 Year 21%
5 Year
10 Year
15 Year
Since launch 21%
Historical performance (Yearly) on absolute basis
YearReturns
2018 -0.1%
2017 45%
2016 17.8%
2015
2014
2013
2012
2011
2010
2009
Fund Manager information for TATA Banking and Financial Services Fund
NameSinceTenure
Sonam Udasi1 Apr 162.84 Yr.
Amey Sathe18 Jun 180.62 Yr.

Data below for TATA Banking and Financial Services Fund as on 31 Oct 19

Equity Sector Allocation
SectorValue
Financial Services99.58%
Asset Allocation
Asset ClassValue
Cash2.25%
Equity97.75%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
HDFC Bank Ltd (Financial Services)
Equity, Since 31 Jan 16 | HDFCBANK
21%₹78 Cr638,000
ICICI Bank Ltd (Financial Services)
Equity, Since 31 Oct 18 | ICICIBANK
15%₹55 Cr1,177,000
Housing Development Finance Corp Ltd (Financial Services)
Equity, Since 31 Mar 17 | HDFC
12%₹43 Cr201,000
↑ 34,200
Kotak Mahindra Bank Ltd (Financial Services)
Equity, Since 31 Jan 16 | KOTAKBANK
10%₹39 Cr245,000
↑ 3,000
Axis Bank Ltd (Financial Services)
Equity, Since 30 Nov 18 | 532215
10%₹35 Cr482,000
↑ 32,000
Bajaj Finance Ltd (Financial Services)
Equity, Since 30 Sep 16 | 500034
4%₹16 Cr40,500
ICICI Prudential Life Insurance Co Ltd (Financial Services)
Equity, Since 30 Sep 16 | ICICIPRULI
3%₹13 Cr250,000
Muthoot Finance Ltd (Financial Services)
Equity, Since 30 Jun 16 | 533398
3%₹13 Cr180,000
HDFC Life Insurance Co Ltd (Financial Services)
Equity, Since 31 Jul 19 | 540777
3%₹12 Cr190,000
DCB Bank Ltd (Financial Services)
Equity, Since 31 Jan 16 | 532772
3%₹11 Cr637,500
↑ 42,500

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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