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Mutual Fund Return Calculator

Updated on October 22, 2021 , 16354 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 2021

*Best funds based on 3 year performance.

1. 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 12.8% since its launch.  Ranked 33 in Sectoral category.  Return for 2020 was 59% , 2019 was 9.6% and 2018 was 15.6% .

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 (22 Oct 21) ₹136.57 ↓ -1.86   (-1.34 %)
Net Assets (Cr) ₹2,536 on 30 Sep 21
Category Equity - Sectoral
AMC Birla Sun Life Asset Management Co Ltd
Rating
Risk High
Expense Ratio 2.56
Sharpe Ratio 5.67
Information Ratio 1.09
Alpha Ratio 27.65
Min Investment 1,000
Min SIP Investment 1,000
Exit Load 0-365 Days (1%),365 Days and above(NIL)

Growth of 10,000 investment over the years.

DateValue
30 Sep 16₹10,000
30 Sep 17₹10,763
30 Sep 18₹15,557
30 Sep 19₹15,943
30 Sep 20₹20,953
30 Sep 21₹39,383

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 ₹657,502.
Net Profit of ₹357,502
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 22 Oct 21

DurationReturns
1 Month -1.2%
3 Month 15.4%
6 Month 40%
1 Year 79.6%
3 Year 40%
5 Year 31.2%
10 Year
15 Year
Since launch 12.8%
Historical performance (Yearly) on absolute basis
YearReturns
2020 59%
2019 9.6%
2018 15.6%
2017 22.4%
2016 -3.5%
2015 11.2%
2014 21.1%
2013 50.2%
2012 3.7%
2011 -21.8%
Fund Manager information for Aditya Birla Sun Life Digital India Fund
NameSinceTenure
Kunal Sangoi15 Jan 147.63 Yr.

Data below for Aditya Birla Sun Life Digital India Fund as on 30 Sep 21

Equity Sector Allocation
SectorValue
Technology73.41%
Communication Services14.67%
Industrials7.13%
Consumer Cyclical0.75%
Asset Allocation
Asset ClassValue
Cash4.03%
Equity95.97%
Other0%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Infosys Ltd (Technology)
Equity, Since 30 Apr 05 | INFY
17%₹394 Cr2,310,259
↑ 75,000
Tata Consultancy Services Ltd (Technology)
Equity, Since 30 Apr 05 | TCS
12%₹279 Cr737,487
↑ 168,000
HCL Technologies Ltd (Technology)
Equity, Since 31 Dec 10 | HCLTECH
10%₹220 Cr1,863,931
↑ 20,000
Tech Mahindra Ltd (Technology)
Equity, Since 31 May 13 | 532755
9%₹207 Cr1,429,943
↓ -40,000
Bharti Airtel Ltd (Communication Services)
Equity, Since 31 Aug 19 | BHARTIARTL
7%₹150 Cr2,251,670
↑ 725,000
Cyient Ltd (Industrials)
Equity, Since 31 May 14 | CYIENT
4%₹91 Cr930,651
↑ 29,472
Persistent Systems Ltd (Technology)
Equity, Since 31 Jul 13 | PERSISTENT
3%₹80 Cr239,326
↑ 8,000
Just Dial Ltd (Communication Services)
Equity, Since 30 Sep 19 | 535648
3%₹72 Cr758,953
↑ 100,000
Wipro Ltd (Technology)
Equity, Since 31 Jan 21 | 507685
3%₹63 Cr989,307
↑ 200,000
Firstsource Solutions Ltd (Technology)
Equity, Since 31 Aug 20 | 532809
2%₹54 Cr3,005,109
↑ 400,000

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 25.7% since its launch.  Return for 2020 was 54.8% , 2019 was 7.5% and 2018 was 24.9% .

Below is the key information for TATA Digital India Fund

TATA Digital India Fund
Growth
Launch Date 28 Dec 15
NAV (22 Oct 21) ₹37.7841 ↓ -0.61   (-1.59 %)
Net Assets (Cr) ₹3,469 on 30 Sep 21
Category Equity - Sectoral
AMC Tata Asset Management Limited
Rating Not Rated
Risk High
Expense Ratio 1.73
Sharpe Ratio 4.66
Information Ratio 0.26
Alpha Ratio 21.25
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₹10,000
30 Sep 17₹10,274
30 Sep 18₹16,470
30 Sep 19₹16,107
30 Sep 20₹20,788
30 Sep 21₹39,696

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 ₹657,502.
Net Profit of ₹357,502
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 22 Oct 21

DurationReturns
1 Month -0.8%
3 Month 19.7%
6 Month 45%
1 Year 83.7%
3 Year 39.1%
5 Year 31.8%
10 Year
15 Year
Since launch 25.7%
Historical performance (Yearly) on absolute basis
YearReturns
2020 54.8%
2019 7.5%
2018 24.9%
2017 19.6%
2016 -6%
2015
2014
2013
2012
2011
Fund Manager information for TATA Digital India Fund
NameSinceTenure
Meeta Shetty20 Apr 201.37 Yr.
Venkat Samala26 Nov 200.76 Yr.

Data below for TATA Digital India Fund as on 30 Sep 21

Equity Sector Allocation
SectorValue
Technology79.01%
Industrials7.93%
Communication Services7.68%
Consumer Cyclical2.07%
Asset Allocation
Asset ClassValue
Cash3.31%
Equity96.69%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Infosys Ltd (Technology)
Equity, Since 31 Jan 16 | INFY
17%₹462 Cr2,705,000
↑ 400,000
Tata Consultancy Services Ltd (Technology)
Equity, Since 31 Jan 16 | TCS
16%₹433 Cr1,143,126
↑ 300,000
HCL Technologies Ltd (Technology)
Equity, Since 31 Jan 16 | HCLTECH
10%₹263 Cr2,224,713
↑ 160,000
Tech Mahindra Ltd (Technology)
Equity, Since 30 Apr 16 | 532755
9%₹242 Cr1,675,000
↑ 400,000
Mphasis Ltd (Technology)
Equity, Since 30 Sep 20 | 526299
4%₹117 Cr405,000
↑ 192,000
Indian Railway Catering And Tourism Corp Ltd (Industrials)
Equity, Since 31 Dec 20 | 542830
4%₹111 Cr403,816
↑ 65,000
Persistent Systems Ltd (Technology)
Equity, Since 31 Jan 16 | PERSISTENT
4%₹101 Cr303,963
L&T Technology Services Ltd (Technology)
Equity, Since 31 May 18 | LTTS
3%₹93 Cr238,500
↑ 75,000
Larsen & Toubro Infotech Ltd (Technology)
Equity, Since 28 Feb 21 | 540005
3%₹87 Cr163,331
Cyient Ltd (Industrials)
Equity, Since 28 Feb 21 | CYIENT
3%₹82 Cr834,339
↑ 101,000

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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