Mutual Fund Returns Calculator — NAV to CAGR

Last updated: 29 April 2026 Reviewed by Priya Sharma, CFA

The **mutual fund returns calculator** computes the absolute return and CAGR of your mutual fund investment based on NAV values at the time of purchase and today. Unlike the SIP calculator, this is for lumpsum investments where you know the entry and exit NAV.

Purchase NAV (₹)

Current NAV (₹)

Investment Period (Years)

Dividends Received (₹) Optional: add dividends/payouts received

Absolute Return % —

CAGR (Annualised Return) —

Money Multiplier —

View Year-by-Year Breakdown

Real-World Examples — 2026

NAV 100 to 185 in 5 years

Absolute return: 85%. CAGR: (185/100)^(1/5) - 1 = 13.1% p.a. Money multiplier: 1.85×. This outperforms the Nifty 50 historical average of 12% — good performance.

NAV 150 to 180 in 2 years

Absolute return: 20%. CAGR: (180/150)^(1/2) - 1 = 9.5% p.a. Money multiplier: 1.2×. Underperforms Nifty 50. Consider switching to an index fund if consistent underperformance.

Frequently Asked Questions

What is the difference between absolute return and CAGR?

Absolute return: total % gain from start to finish (e.g., 85% if NAV went from 100 to 185). CAGR: annualised return that accounts for time — 85% over 5 years = 13.1% CAGR. CAGR is the correct metric to compare funds over different periods.

How do I find the NAV of a mutual fund?

NAV is published daily on: AMFI website (amfiindia.com), fund house website, MF utility, and apps like Groww, Zerodha Coin, PayTM Money. Historical NAVs are available for any date. The NAV is the per-unit value of the fund's portfolio.

What is a good CAGR for equity mutual funds in India?

Index funds (Nifty 50): 12–15% CAGR over 10+ years. Actively managed large-cap: 12–16%. Mid-cap: 14–18%. Small-cap: 15–20% (with higher volatility). Debt funds: 6–8%. Always compare against the benchmark index over the same period — if the fund doesn't beat its benchmark, switch to an index fund.

Is the Mutual Fund Returns Calculator free?

Yes, completely free on CalcPhi.

Are my inputs stored?

No. Calculations run in your browser.

Is it mobile-friendly?

Yes. Works on all smartphones.