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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 2023
*Best funds based on 3 year performance.
(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 Below is the key information for SBI Technology Opportunities Fund Returns up to 1 year are on (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 Below is the key information for Aditya Birla Sun Life Digital India Fund Returns up to 1 year are on 1. SBI Technology Opportunities Fund
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% . 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.
Date Value 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 Returns for SBI Technology Opportunities Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 1 Feb 23 Duration Returns 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
Year Returns 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
Name Since Tenure Saurabh Pant 1 Jan 22 1 Yr. Mohit Jain 1 Jan 22 1 Yr. Data below for SBI Technology Opportunities Fund as on 31 Dec 22
Equity Sector Allocation
Sector Value Technology 71.44% Communication Services 18.14% Consumer Cyclical 0.39% Health Care 0.21% Consumer Defensive 0.18% Industrials 0.13% Utility 0.04% Financial Services 0.02% Energy 0.01% Real Estate 0.01% Asset Allocation
Asset Class Value Cash 9.43% Equity 90.57% Top Securities Holdings / Portfolio
Name Holding Value Quantity Infosys Ltd (Technology)
Equity, Since 31 Jan 03 | INFY29% ₹784 Cr 5,200,000 Tata Consultancy Services Ltd (Technology)
Equity, Since 30 Apr 06 | TCS13% ₹358 Cr 1,100,000 Bharti Airtel Ltd (Communication Services)
Equity, Since 31 May 18 | BHARTIARTL10% ₹282 Cr 3,500,000
↑ 200,000 HCL Technologies Ltd (Technology)
Equity, Since 31 Mar 06 | HCLTECH6% ₹177 Cr 1,700,000 Microsoft Corp (Technology)
Equity, Since 31 Aug 20 | MSF5% ₹130 Cr 65,000 Wipro Ltd (Technology)
Equity, Since 30 Apr 21 | WIPRO4% ₹121 Cr 3,080,000 Netflix Inc (Communication Services)
Equity, Since 31 Aug 21 | NFC4% ₹113 Cr 47,000
↓ -31,955 NVIDIA Corp (Technology)
Equity, Since 30 Apr 21 | NVDA4% ₹100 Cr 83,000
↓ -74,000 Tech Mahindra Ltd (Technology)
Equity, Since 31 May 22 | TECHM3% ₹84 Cr 830,000 Persistent Systems Ltd (Technology)
Equity, Since 31 Jul 22 | PERSISTENT3% ₹77 Cr 200,000
↑ 107,822 2. Aditya Birla Sun Life Digital India Fund
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% . 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.
Date Value 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 Returns for Aditya Birla Sun Life Digital India Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 1 Feb 23 Duration Returns 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
Year Returns 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
Name Since Tenure Kunal Sangoi 15 Jan 14 8.97 Yr. Data below for Aditya Birla Sun Life Digital India Fund as on 31 Dec 22
Equity Sector Allocation
Sector Value Technology 80.19% Communication Services 8.91% Industrials 7.06% Consumer Cyclical 2.09% Financial Services 0.69% Asset Allocation
Asset Class Value Cash 1.05% Equity 98.95% Top Securities Holdings / Portfolio
Name Holding Value Quantity Infosys Ltd (Technology)
Equity, Since 30 Apr 05 | INFY25% ₹826 Cr 5,478,401
↑ 100,000 Tata Consultancy Services Ltd (Technology)
Equity, Since 30 Apr 05 | TCS10% ₹340 Cr 1,045,450 HCL Technologies Ltd (Technology)
Equity, Since 31 Dec 10 | HCLTECH9% ₹288 Cr 2,771,227 Tech Mahindra Ltd (Technology)
Equity, Since 31 May 13 | TECHM8% ₹261 Cr 2,563,833 LTIMindtree Ltd (Technology)
Equity, Since 31 Mar 21 | LTIM7% ₹214 Cr 490,179
↑ 60,000 Bharti Airtel Ltd (Communication Services)
Equity, Since 31 Aug 19 | BHARTIARTL5% ₹170 Cr 2,114,697
↓ -250,000 Coforge Ltd (Technology)
Equity, Since 30 Jun 20 | COFORGE3% ₹107 Cr 275,281 Cyient Ltd (Industrials)
Equity, Since 31 May 14 | CYIENT3% ₹106 Cr 1,306,398 Birlasoft Ltd (Technology)
Equity, Since 30 Sep 20 | BSOFT2% ₹78 Cr 2,620,432
↑ 549,736 Wipro Ltd (Technology)
Equity, Since 31 Jan 21 | WIPRO2% ₹71 Cr 1,800,817
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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