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Mutual Fund Return Calculator

Updated on January 30, 2023 , 26773 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. SBI Technology Opportunities Fund

(Erstwhile SBI IT Fund)

To provide the investors maximum growth opportunity through equity investments in stocks of growth oriented sectors of the economy.

SBI Technology Opportunities Fund is a Equity - Sectoral fund was launched on 9 Jan 13. It is a fund with High risk and has given a CAGR/Annualized return of 20.1% since its launch.  Ranked 42 in Sectoral category.  Return for 2022 was -15.5% , 2021 was 66.4% and 2020 was 47.3% .

Below is the key information for SBI Technology Opportunities Fund

SBI Technology Opportunities Fund
Growth
Launch Date 9 Jan 13
NAV (01 Feb 23) ₹144.803 ↑ 0.96   (0.67 %)
Net Assets (Cr) ₹2,741 on 31 Dec 22
Category Equity - Sectoral
AMC SBI Funds Management Private Limited
Rating
Risk High
Expense Ratio 2.26
Sharpe Ratio -0.93
Information Ratio 0.78
Alpha Ratio 1.46
Min Investment 5,000
Min SIP Investment 500
Exit Load 0-15 Days (0.5%),15 Days and above(NIL)

Growth of 10,000 investment over the years.

DateValue
31 Jan 18₹10,000
31 Jan 19₹11,309
31 Jan 20₹12,287
31 Jan 21₹17,793
31 Jan 22₹26,341
31 Jan 23₹25,546

SBI Technology Opportunities Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹505,644.
Net Profit of ₹205,644
Invest Now

Returns for SBI Technology Opportunities 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 Feb 23

DurationReturns
1 Month 4.3%
3 Month 3.5%
6 Month 6.6%
1 Year -4%
3 Year 27.9%
5 Year 20.8%
10 Year
15 Year
Since launch 20.1%
Historical performance (Yearly) on absolute basis
YearReturns
2022 -15.5%
2021 66.4%
2020 47.3%
2019 12.2%
2018 17.1%
2017 13%
2016 -3.3%
2015 2.4%
2014 29.2%
2013
Fund Manager information for SBI Technology Opportunities Fund
NameSinceTenure
Saurabh Pant1 Jan 221 Yr.
Mohit Jain1 Jan 221 Yr.

Data below for SBI Technology Opportunities Fund as on 31 Dec 22

Equity Sector Allocation
SectorValue
Technology71.44%
Communication Services18.14%
Consumer Cyclical0.39%
Health Care0.21%
Consumer Defensive0.18%
Industrials0.13%
Utility0.04%
Financial Services0.02%
Energy0.01%
Real Estate0.01%
Asset Allocation
Asset ClassValue
Cash9.43%
Equity90.57%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Infosys Ltd (Technology)
Equity, Since 31 Jan 03 | INFY
29%₹784 Cr5,200,000
Tata Consultancy Services Ltd (Technology)
Equity, Since 30 Apr 06 | TCS
13%₹358 Cr1,100,000
Bharti Airtel Ltd (Communication Services)
Equity, Since 31 May 18 | BHARTIARTL
10%₹282 Cr3,500,000
↑ 200,000
HCL Technologies Ltd (Technology)
Equity, Since 31 Mar 06 | HCLTECH
6%₹177 Cr1,700,000
Microsoft Corp (Technology)
Equity, Since 31 Aug 20 | MSF
5%₹130 Cr65,000
Wipro Ltd (Technology)
Equity, Since 30 Apr 21 | WIPRO
4%₹121 Cr3,080,000
Netflix Inc (Communication Services)
Equity, Since 31 Aug 21 | NFC
4%₹113 Cr47,000
↓ -31,955
NVIDIA Corp (Technology)
Equity, Since 30 Apr 21 | NVDA
4%₹100 Cr83,000
↓ -74,000
Tech Mahindra Ltd (Technology)
Equity, Since 31 May 22 | TECHM
3%₹84 Cr830,000
Persistent Systems Ltd (Technology)
Equity, Since 31 Jul 22 | PERSISTENT
3%₹77 Cr200,000
↑ 107,822

2. Aditya Birla Sun Life Digital India Fund

(Erstwhile Aditya Birla Sun Life New Millennium Fund)

A multi-sector open-ended growth scheme with the objective of long term growth of capital, through a portfolio with a target allocation of 100% equity, focusing on investing in technology and technology dependent companies, hardware, peripherals and components, software, telecom, media, internet and e-commerce and other technology enabled companies. The secondary objective is income generation and distribution of dividend.

Aditya Birla Sun Life Digital India Fund is a Equity - Sectoral fund was launched on 15 Jan 00. It is a fund with High risk and has given a CAGR/Annualized return of 11.4% since its launch.  Ranked 33 in Sectoral category.  Return for 2022 was -21.6% , 2021 was 70.5% and 2020 was 59% .

Below is the key information for Aditya Birla Sun Life Digital India Fund

Aditya Birla Sun Life Digital India Fund
Growth
Launch Date 15 Jan 00
NAV (01 Feb 23) ₹119.5 ↑ 0.33   (0.28 %)
Net Assets (Cr) ₹3,244 on 31 Dec 22
Category Equity - Sectoral
AMC Birla Sun Life Asset Management Co Ltd
Rating
Risk High
Expense Ratio 2.19
Sharpe Ratio -1.26
Information Ratio 0.88
Alpha Ratio -5.28
Min Investment 1,000
Min SIP Investment 100
Exit Load 0-365 Days (1%),365 Days and above(NIL)

Growth of 10,000 investment over the years.

DateValue
31 Jan 18₹10,000
31 Jan 19₹10,882
31 Jan 20₹12,111
31 Jan 21₹18,525
31 Jan 22₹28,403
31 Jan 23₹25,036

Aditya Birla Sun Life Digital India Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹505,644.
Net Profit of ₹205,644
Invest Now

Returns for Aditya Birla Sun Life Digital India 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 Feb 23

DurationReturns
1 Month 2.8%
3 Month 0.2%
6 Month 2.4%
1 Year -13%
3 Year 27.5%
5 Year 20.1%
10 Year
15 Year
Since launch 11.4%
Historical performance (Yearly) on absolute basis
YearReturns
2022 -21.6%
2021 70.5%
2020 59%
2019 9.6%
2018 15.6%
2017 22.4%
2016 -3.5%
2015 11.2%
2014 21.1%
2013 50.2%
Fund Manager information for Aditya Birla Sun Life Digital India Fund
NameSinceTenure
Kunal Sangoi15 Jan 148.97 Yr.

Data below for Aditya Birla Sun Life Digital India Fund as on 31 Dec 22

Equity Sector Allocation
SectorValue
Technology80.19%
Communication Services8.91%
Industrials7.06%
Consumer Cyclical2.09%
Financial Services0.69%
Asset Allocation
Asset ClassValue
Cash1.05%
Equity98.95%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Infosys Ltd (Technology)
Equity, Since 30 Apr 05 | INFY
25%₹826 Cr5,478,401
↑ 100,000
Tata Consultancy Services Ltd (Technology)
Equity, Since 30 Apr 05 | TCS
10%₹340 Cr1,045,450
HCL Technologies Ltd (Technology)
Equity, Since 31 Dec 10 | HCLTECH
9%₹288 Cr2,771,227
Tech Mahindra Ltd (Technology)
Equity, Since 31 May 13 | TECHM
8%₹261 Cr2,563,833
LTIMindtree Ltd (Technology)
Equity, Since 31 Mar 21 | LTIM
7%₹214 Cr490,179
↑ 60,000
Bharti Airtel Ltd (Communication Services)
Equity, Since 31 Aug 19 | BHARTIARTL
5%₹170 Cr2,114,697
↓ -250,000
Coforge Ltd (Technology)
Equity, Since 30 Jun 20 | COFORGE
3%₹107 Cr275,281
Cyient Ltd (Industrials)
Equity, Since 31 May 14 | CYIENT
3%₹106 Cr1,306,398
Birlasoft Ltd (Technology)
Equity, Since 30 Sep 20 | BSOFT
2%₹78 Cr2,620,432
↑ 549,736
Wipro Ltd (Technology)
Equity, Since 31 Jan 21 | WIPRO
2%₹71 Cr1,800,817

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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