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Mutual Fund Return Calculator

Updated on October 16, 2019 , 498 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. ICICI Prudential US Bluechip Equity Fund

The investment objective of ICICI Prudential US Bluechip Equity Fund is to provide long term capital appreciation to investors by primarily investing in equity and equity related securities (including ADRs/GDRs issued by Indian and foreign companies) of companies listed on New York Stock Exchange and/or NASDAQ. However, there can be no assurance that the investment objective of the Scheme will be realized.

ICICI Prudential US Bluechip Equity Fund is a Equity - Global fund was launched on 6 Jul 12. It is a fund with High risk and has given a CAGR/Annualized return of 16% since its launch.  Ranked 7 in Global category.  Return for 2018 was 5.2% , 2017 was 14.1% and 2016 was 11.6% .

Below is the key information for ICICI Prudential US Bluechip Equity Fund

ICICI Prudential US Bluechip Equity Fund
Growth
Launch Date 6 Jul 12
NAV (17 Oct 19) ₹29.45 ↑ 0.10   (0.34 %)
Net Assets (Cr) ₹308 on 31 Aug 19
Category Equity - Global
AMC ICICI Prudential Asset Management Company Limited
Rating
Risk High
Expense Ratio 2.31
Sharpe Ratio 0.15
Information Ratio -0.42
Alpha Ratio 1.25
Min Investment 5,000
Min SIP Investment 100
Exit Load 0-3 Months (3%),3-12 Months (1%),12 Months and above(NIL)

Growth of 10,000 investment over the years.

DateValue
30 Sep 14₹10,000
30 Sep 15₹9,894
30 Sep 16₹11,099
30 Sep 17₹12,744
30 Sep 18₹16,199
30 Sep 19₹16,910

ICICI Prudential US Bluechip 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 ₹415,684.
Net Profit of ₹115,684
Invest Now

Returns for ICICI Prudential US Bluechip 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 17 Oct 19

DurationReturns
1 Month -0.1%
3 Month 7.1%
6 Month 6%
1 Year 8.1%
3 Year 17%
5 Year 12.5%
10 Year
15 Year
Since launch 16%
Historical performance (Yearly) on absolute basis
YearReturns
2018 5.2%
2017 14.1%
2016 11.6%
2015 0.7%
2014 12.7%
2013 45.7%
2012
2011
2010
2009
Fund Manager information for ICICI Prudential US Bluechip Equity Fund
NameSinceTenure
Rohan Maru19 Sep 135.37 Yr.
Priyanka Khandelwal30 Jun 171.59 Yr.

Data below for ICICI Prudential US Bluechip Equity Fund as on 31 Aug 19

Equity Sector Allocation
SectorValue
Technology21.28%
Health Care14.68%
Consumer Defensive13.9%
Industrials13.63%
Consumer Cyclical12.7%
Financial Services10.62%
Utility2.64%
Communication Services2.04%
Energy1.7%
Asset Allocation
Asset ClassValue
Cash4.99%
Equity95.01%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Amazon.com Inc (Consumer Cyclical)
Equity, Since 30 Jun 16 | AMZN
5%₹14 Cr1,091
Net Current Assets
Net Current Assets | -
4%₹12 Cr
Kellogg Co (Consumer Defensive)
Equity, Since 31 Dec 18 | K
4%₹12 Cr26,185
Intel Corp (Technology)
Equity, Since 30 Sep 18 | INTC
3%₹10 Cr29,659
Philip Morris International Inc (Consumer Defensive)
Equity, Since 30 Jun 18 | PM
3%₹9 Cr17,768
Treps
CBLO/Reverse Repo | -
3%₹9 Cr
Caterpillar Inc (Industrials)
Equity, Since 31 Dec 18 | CAT
3%₹8 Cr9,886
Salesforce.com Inc (Technology)
Equity, Since 31 Dec 18 | CRM
3%₹8 Cr7,536
Microchip Technology Inc (Technology)
Equity, Since 31 Dec 17 | MCHP
3%₹8 Cr13,265
Medtronic PLC (Healthcare)
Equity, Since 31 Dec 16 | MDT
3%₹8 Cr10,526

2. TATA Digital India 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 Information Technology Sector in India.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.

TATA Digital India 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 11.3% since its launch.  Return for 2018 was 24.9% , 2017 was 19.6% and 2016 was -6% .

Below is the key information for TATA Digital India Fund

TATA Digital India Fund
Growth
Launch Date 28 Dec 15
NAV (18 Oct 19) ₹15.0264 ↑ 0.12   (0.79 %)
Net Assets (Cr) ₹428 on 31 Aug 19
Category Equity - Sectoral
AMC Tata Asset Management Limited
Rating Not Rated
Risk High
Expense Ratio 2.05
Sharpe Ratio -0.39
Information Ratio -0.14
Alpha Ratio -7.24
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 Sep 16₹9,330
30 Sep 17₹9,585
30 Sep 18₹15,366
30 Sep 19₹15,028

TATA 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 ₹458,689.
Net Profit of ₹158,689
Invest Now

Returns for TATA 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 17 Oct 19

DurationReturns
1 Month -1.5%
3 Month -0.4%
6 Month -0.4%
1 Year 3.2%
3 Year 16.8%
5 Year
10 Year
15 Year
Since launch 11.3%
Historical performance (Yearly) on absolute basis
YearReturns
2018 24.9%
2017 19.6%
2016 -6%
2015
2014
2013
2012
2011
2010
2009
Fund Manager information for TATA Digital India Fund
NameSinceTenure
Sailesh Jain9 Nov 180.23 Yr.
Meeta Shetty9 Nov 180.23 Yr.

Data below for TATA Digital India Fund as on 31 Aug 19

Equity Sector Allocation
SectorValue
Technology94.81%
Asset Allocation
Asset ClassValue
Cash5.43%
Equity94.81%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Infosys Ltd (Technology)
Equity, Since 31 Jan 16 | INFY
34%₹141 Cr1,747,000
Tata Consultancy Services Ltd (Technology)
Equity, Since 31 Jan 16 | TCS
15%₹61 Cr290,000
Tech Mahindra Ltd (Technology)
Equity, Since 30 Apr 16 | 532755
10%₹41 Cr577,700
↑ 60,000
HCL Technologies Ltd (Technology)
Equity, Since 31 Jan 16 | HCLTECH
9%₹39 Cr363,000
↑ 113,000
(A) Treps
CBLO/Reverse Repo | -
5%₹21 Cr
Wipro Ltd (Technology)
Equity, Since 31 Jul 18 | 507685
5%₹21 Cr866,666
MindTree Ltd (Technology)
Equity, Since 31 Jul 19 | 532819
5%₹20 Cr285,000
↑ 65,000
Persistent Systems Ltd (Technology)
Equity, Since 31 Jan 16 | PERSISTENT
5%₹20 Cr351,200
Oracle Financial Services Software Ltd (Technology)
Equity, Since 31 Mar 16 | 532466
3%₹14 Cr45,400
L&T Technology Services Ltd (Technology)
Equity, Since 31 May 18 | LTTS
3%₹14 Cr90,000

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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