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Mutual Fund Return Calculator

Updated on January 26, 2020 , 1857 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 2020

*Best funds based on 3 year performance.

1. 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 11.9% since its launch.  Return for 2019 was 7.5% , 2018 was 24.9% and 2017 was 19.6% .

Below is the key information for TATA Digital India Fund

TATA Digital India Fund
Growth
Launch Date 28 Dec 15
NAV (28 Jan 20) ₹15.839 ↓ -0.03   (-0.17 %)
Net Assets (Cr) ₹390 on 31 Dec 19
Category Equity - Sectoral
AMC Tata Asset Management Limited
Rating Not Rated
Risk High
Expense Ratio 2.05
Sharpe Ratio 0.42
Information Ratio -0.02
Alpha Ratio -2.1
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
31 Dec 15₹10,000
31 Dec 16₹9,405
31 Dec 17₹11,251
31 Dec 18₹14,055
31 Dec 19₹15,105

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 ₹505,644.
Net Profit of ₹205,644
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 28 Jan 20

DurationReturns
1 Month 4%
3 Month 10.8%
6 Month 7.5%
1 Year 8.3%
3 Year 20.1%
5 Year
10 Year
15 Year
Since launch 11.9%
Historical performance (Yearly) on absolute basis
YearReturns
2019 7.5%
2018 24.9%
2017 19.6%
2016 -6%
2015
2014
2013
2012
2011
2010
Fund Manager information for TATA Digital India Fund
NameSinceTenure
Sailesh Jain9 Nov 181.06 Yr.
Meeta Shetty9 Nov 181.06 Yr.

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

Equity Sector Allocation
SectorValue
Technology98.82%
Asset Allocation
Asset ClassValue
Cash1.18%
Equity98.82%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Infosys Ltd (Technology)
Equity, Since 31 Jan 16 | INFY
32%₹126 Cr1,809,000
↓ -30,000
Tata Consultancy Services Ltd (Technology)
Equity, Since 31 Jan 16 | TCS
21%₹82 Cr399,500
↓ -10,000
Tech Mahindra Ltd (Technology)
Equity, Since 30 Apr 16 | 532755
9%₹36 Cr475,000
↓ -47,700
HCL Technologies Ltd (Technology)
Equity, Since 31 Jan 16 | HCLTECH
9%₹35 Cr314,500
↓ -24,500
Persistent Systems Ltd (Technology)
Equity, Since 31 Jan 16 | PERSISTENT
6%₹24 Cr351,200
Wipro Ltd (Technology)
Equity, Since 31 Jul 18 | 507685
5%₹20 Cr846,000
↓ -20,666
MindTree Ltd (Technology)
Equity, Since 31 Jul 19 | 532819
5%₹20 Cr285,000
L&T Technology Services Ltd (Technology)
Equity, Since 31 May 18 | LTTS
3%₹13 Cr90,000
KPIT Technologies Ltd (Technology)
Equity, Since 31 Jan 19 | 542651
3%₹11 Cr1,125,000
Larsen & Toubro Infotech Ltd (Technology)
Equity, Since 30 Jun 18 | 540005
2%₹9 Cr55,000
↓ -23,500

2. SBI Banking & Financial Services Fund

The investment objective of the scheme is to generate long-term capital appreciation to unit holders from a portfolio that is invested predominantly in equity and equity related securities of companies engaged in banking and financial services. However, there can be no assurance that the investment objective of the Scheme will be realized.

SBI Banking & Financial Services Fund is a Equity - Sectoral fund was launched on 26 Feb 15. It is a fund with High risk and has given a CAGR/Annualized return of 15.3% since its launch.  Return for 2019 was 20.7% , 2018 was 9.5% and 2017 was 40.7% .

Below is the key information for SBI Banking & Financial Services Fund

SBI Banking & Financial Services Fund
Growth
Launch Date 26 Feb 15
NAV (28 Jan 20) ₹20.1117 ↑ 0.01   (0.03 %)
Net Assets (Cr) ₹1,409 on 31 Dec 19
Category Equity - Sectoral
AMC SBI Funds Management Private Limited
Rating Not Rated
Risk High
Expense Ratio 2.74
Sharpe Ratio 1.03
Information Ratio -0.48
Alpha Ratio -3.45
Min Investment 5,000
Min SIP Investment 500
Exit Load 0-12 Months (1%),12 Months and above(NIL)

Growth of 10,000 investment over the years.

DateValue
31 Dec 15₹9,239
31 Dec 16₹10,812
31 Dec 17₹15,212
31 Dec 18₹16,663
31 Dec 19₹20,117

SBI Banking & Financial Services Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹493,520.
Net Profit of ₹193,520
Invest Now

Returns for SBI Banking & Financial Services Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 28 Jan 20

DurationReturns
1 Month -0.9%
3 Month 8%
6 Month 11.5%
1 Year 26.9%
3 Year 19.9%
5 Year
10 Year
15 Year
Since launch 15.3%
Historical performance (Yearly) on absolute basis
YearReturns
2019 20.7%
2018 9.5%
2017 40.7%
2016 17%
2015
2014
2013
2012
2011
2010
Fund Manager information for SBI Banking & Financial Services Fund
NameSinceTenure
Milind Agrawal1 Aug 190.42 Yr.

Data below for SBI Banking & Financial Services Fund as on 31 Dec 19

Equity Sector Allocation
SectorValue
Financial Services95.54%
Asset Allocation
Asset ClassValue
Cash3.23%
Equity96.77%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
HDFC Bank Ltd (Financial Services)
Equity, Since 28 Feb 15 | HDFCBANK
24%₹336 Cr2,638,360
↑ 267,000
ICICI Bank Ltd (Financial Services)
Equity, Since 31 Dec 16 | ICICIBANK
13%₹186 Cr3,445,814
Axis Bank Ltd (Financial Services)
Equity, Since 30 Jun 18 | 532215
9%₹128 Cr1,700,000
↑ 310,000
State Bank of India (Financial Services)
Equity, Since 31 Jul 18 | SBIN
8%₹113 Cr3,385,000
Kotak Mahindra Bank Ltd (Financial Services)
Equity, Since 31 Mar 15 | KOTAKBANK
8%₹107 Cr636,000
AU Small Finance Bank Ltd (Financial Services)
Equity, Since 31 Jul 17 | 540611
6%₹83 Cr1,038,045
ICICI Lombard General Insurance Co Ltd (Financial Services)
Equity, Since 30 Sep 19 | 540716
5%₹74 Cr535,000
Treps
CBLO/Reverse Repo | -
5%₹65 Cr
Bajaj Finance Ltd (Financial Services)
Equity, Since 30 Sep 17 | 500034
3%₹39 Cr92,000
Mahindra & Mahindra Financial Services Ltd (Financial Services)
Equity, Since 31 Aug 19 | M&MFIN
3%₹38 Cr1,180,000
↑ 39,393

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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