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Mutual Fund Return Calculator
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
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.
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:
- What would be the tenure of the investment or for how long are you planning to invest.
- How much amount are you planning to invest.
- Your expected growth rate in the equity Market for long-run.
- 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.
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.
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 2024
*Best funds based on 3 year performance.
The objective of the scheme would be to provide investors with opportunities for long-term growth in capital along with the liquidity of an open-ended scheme through an active management of investments in a diversified basket of equity stocks of domestic Public Sector Undertakings and in debt and money market instruments issued by PSUs AND others. SBI PSU Fund is a Equity - Sectoral fund was launched on 7 Jul 10. It is a fund with High risk and has given a Below is the key information for SBI PSU Fund Returns up to 1 year are on 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 Below is the key information for HDFC Infrastructure Fund Returns up to 1 year are on 1. SBI PSU Fund
CAGR/Annualized return of 8.8% since its launch. Ranked 31 in Sectoral category. Return for 2023 was 54% , 2022 was 29% and 2021 was 32.4% . SBI PSU Fund
Growth Launch Date 7 Jul 10 NAV (13 Sep 24) ₹32.8787 ↓ -0.06 (-0.19 %) Net Assets (Cr) ₹4,602 on 31 Jul 24 Category Equity - Sectoral AMC SBI Funds Management Private Limited Rating ☆☆ Risk High Expense Ratio 2.3 Sharpe Ratio 2.71 Information Ratio -1.16 Alpha Ratio -7.9 Min Investment 5,000 Min SIP Investment 500 Exit Load 0-1 Years (1%),1 Years and above(NIL) Growth of 10,000 investment over the years.
Date Value 31 Aug 19 ₹10,000 31 Aug 20 ₹9,112 31 Aug 21 ₹13,041 31 Aug 22 ₹15,369 31 Aug 23 ₹20,229 31 Aug 24 ₹36,760 Returns for SBI PSU Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 13 Sep 24 Duration Returns 1 Month -1.2% 3 Month 0.4% 6 Month 23.2% 1 Year 65.1% 3 Year 38.5% 5 Year 27.7% 10 Year 15 Year Since launch 8.8% Historical performance (Yearly) on absolute basis
Year Returns 2023 54% 2022 29% 2021 32.4% 2020 -10% 2019 6% 2018 -23.8% 2017 21.9% 2016 16.2% 2015 -11.1% 2014 41.5% Fund Manager information for SBI PSU Fund
Name Since Tenure Rohit Shimpi 1 Jun 24 0.17 Yr. Data below for SBI PSU Fund as on 31 Jul 24
Equity Sector Allocation
Sector Value Financial Services 31.33% Utility 23.49% Energy 15.2% Industrials 13.72% Basic Materials 7.23% Asset Allocation
Asset Class Value Cash 9.03% Equity 90.97% Top Securities Holdings / Portfolio
Name Holding Value Quantity State Bank of India (Financial Services)
Equity, Since 31 Jul 10 | SBIN15% ₹670 Cr 7,677,500
↑ 1,500,000 Power Grid Corp Of India Ltd (Utilities)
Equity, Since 31 Jul 10 | 5328989% ₹436 Cr 12,535,554
↑ 2,500,000 GAIL (India) Ltd (Utilities)
Equity, Since 31 May 24 | 5321559% ₹418 Cr 17,350,000
↑ 1,850,000 Bharat Electronics Ltd (Industrials)
Equity, Since 30 Jun 24 | BEL6% ₹290 Cr 9,175,000
↑ 4,375,000 NTPC Ltd (Utilities)
Equity, Since 31 Jul 10 | 5325555% ₹226 Cr 5,443,244
↑ 1,100,000 NMDC Ltd (Basic Materials)
Equity, Since 31 Oct 23 | 5263714% ₹201 Cr 8,300,000
↑ 4,750,000 SBI Life Insurance Company Limited (Financial Services)
Equity, Since 30 Jun 24 | SBILIFE4% ₹175 Cr 1,000,000
↑ 250,000 Life Insurance Corporation of India (Financial Services)
Equity, Since 29 Feb 24 | 5435263% ₹154 Cr 1,310,000 Petronet LNG Ltd (Energy)
Equity, Since 30 Jun 24 | 5325223% ₹151 Cr 4,100,000
↑ 600,000 Coal India Ltd (Energy)
Equity, Since 30 Sep 21 | COALINDIA3% ₹144 Cr 2,750,000 2. HDFC Infrastructure Fund
CAGR/Annualized return of since its launch. Ranked 26 in Sectoral category. Return for 2023 was 55.4% , 2022 was 19.3% and 2021 was 43.2% . HDFC Infrastructure Fund
Growth Launch Date 10 Mar 08 NAV (13 Sep 24) ₹49.555 ↑ 0.12 (0.23 %) Net Assets (Cr) ₹2,533 on 31 Jul 24 Category Equity - Sectoral AMC HDFC Asset Management Company Limited Rating ☆☆☆ Risk High Expense Ratio 2.31 Sharpe Ratio 4.11 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.
Date Value 31 Aug 19 ₹10,000 31 Aug 20 ₹8,108 31 Aug 21 ₹13,415 31 Aug 22 ₹15,896 31 Aug 23 ₹21,845 31 Aug 24 ₹34,629 Returns for HDFC Infrastructure Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 13 Sep 24 Duration Returns 1 Month 3.5% 3 Month 5% 6 Month 26.9% 1 Year 56.5% 3 Year 36.3% 5 Year 27% 10 Year 15 Year Since launch Historical performance (Yearly) on absolute basis
Year Returns 2023 55.4% 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% Fund Manager information for HDFC Infrastructure Fund
Name Since Tenure Srinivasan Ramamurthy 12 Jan 24 0.55 Yr. Dhruv Muchhal 22 Jun 23 1.11 Yr. Data below for HDFC Infrastructure Fund as on 31 Jul 24
Equity Sector Allocation
Sector Value Industrials 37.27% Financial Services 19.22% Basic Materials 9.46% Energy 8.95% Utility 6.89% Communication Services 2.94% Health Care 1.57% Technology 1.36% Consumer Cyclical 1.22% Real Estate 0.91% Asset Allocation
Asset Class Value Cash 9.21% Equity 89.79% Debt 1% Top Securities Holdings / Portfolio
Name Holding Value Quantity ICICI Bank Ltd (Financial Services)
Equity, Since 31 Oct 09 | ICICIBANK6% ₹146 Cr 1,200,000
↑ 100,000 J Kumar Infraprojects Ltd (Industrials)
Equity, Since 31 Oct 15 | JKIL5% ₹129 Cr 1,500,000 HDFC Bank Ltd (Financial Services)
Equity, Since 31 Aug 23 | HDFCBANK4% ₹113 Cr 700,000 Larsen & Toubro Ltd (Industrials)
Equity, Since 30 Jun 12 | LT4% ₹103 Cr 270,000
↑ 20,000 Coal India Ltd (Energy)
Equity, Since 31 Oct 18 | COALINDIA4% ₹94 Cr 1,800,000 Kalpataru Projects International Ltd (Industrials)
Equity, Since 31 Jan 23 | KPIL4% ₹89 Cr 652,427
↑ 2,427 NTPC Ltd (Utilities)
Equity, Since 31 Dec 17 | 5325553% ₹87 Cr 2,084,125 Reliance Industries Ltd (Energy)
Equity, Since 31 May 24 | RELIANCE3% ₹75 Cr 250,000 Bharti Airtel Ltd (Communication Services)
Equity, Since 30 Sep 20 | BHARTIARTL3% ₹75 Cr 500,000 G R Infraprojects Ltd (Industrials)
Equity, Since 31 Jul 21 | 5433173% ₹65 Cr 363,007
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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