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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 2025
*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 generate capital appreciation by investing in Equity and Equity Related Instruments of companies where the Central / State Government(s) has majority shareholding or management control or has powers to appoint majority of directors. 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. Invesco India PSU Equity Fund is a Equity - Sectoral fund was launched on 18 Nov 09. It is a fund with High risk and has given a Below is the key information for Invesco India PSU Equity Fund Returns up to 1 year are on 1. SBI PSU Fund
CAGR/Annualized return of 7.8% since its launch. Ranked 31 in Sectoral category. Return for 2024 was 23.5% , 2023 was 54% and 2022 was 29% . SBI PSU Fund
Growth Launch Date 7 Jul 10 NAV (17 Jan 25) ₹29.8702 ↑ 0.26 (0.87 %) Net Assets (Cr) ₹4,686 on 30 Nov 24 Category Equity - Sectoral AMC SBI Funds Management Private Limited Rating ☆☆ Risk High Expense Ratio 2.3 Sharpe Ratio 1.63 Information Ratio -0.36 Alpha Ratio 0.68 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 Dec 19 ₹10,000 31 Dec 20 ₹9,002 31 Dec 21 ₹11,920 31 Dec 22 ₹15,379 31 Dec 23 ₹23,688 31 Dec 24 ₹29,244 Returns for SBI PSU Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 17 Jan 25 Duration Returns 1 Month -6.8% 3 Month -8.7% 6 Month -14.1% 1 Year 18.6% 3 Year 30.6% 5 Year 23.2% 10 Year 15 Year Since launch 7.8% Historical performance (Yearly) on absolute basis
Year Returns 2023 23.5% 2022 54% 2021 29% 2020 32.4% 2019 -10% 2018 6% 2017 -23.8% 2016 21.9% 2015 16.2% 2014 -11.1% Fund Manager information for SBI PSU Fund
Name Since Tenure Rohit Shimpi 1 Jun 24 0.59 Yr. Data below for SBI PSU Fund as on 30 Nov 24
Equity Sector Allocation
Sector Value Financial Services 35.74% Utility 23.41% Energy 16.47% Industrials 11.12% Basic Materials 7.15% Asset Allocation
Asset Class Value Cash 6.1% Equity 93.9% Top Securities Holdings / Portfolio
Name Holding Value Quantity State Bank of India (Financial Services)
Equity, Since 31 Jul 10 | SBIN15% ₹694 Cr 8,277,500 Power Grid Corp Of India Ltd (Utilities)
Equity, Since 31 Jul 10 | POWERGRID9% ₹415 Cr 12,585,554 GAIL (India) Ltd (Utilities)
Equity, Since 31 May 24 | GAIL9% ₹414 Cr 20,750,000
↑ 2,400,000 Bharat Electronics Ltd (Industrials)
Equity, Since 30 Jun 24 | BEL8% ₹369 Cr 11,975,000 Bharat Petroleum Corp Ltd (Energy)
Equity, Since 31 Aug 24 | BPCL6% ₹260 Cr 8,900,000 NMDC Ltd (Basic Materials)
Equity, Since 31 Oct 23 | NMDC5% ₹214 Cr 9,300,000 NTPC Ltd (Utilities)
Equity, Since 31 Jul 10 | NTPC4% ₹198 Cr 5,443,244 Bank of Baroda (Financial Services)
Equity, Since 31 Aug 24 | BANKBARODA4% ₹192 Cr 7,800,000 General Insurance Corp of India (Financial Services)
Equity, Since 31 May 24 | 5407553% ₹144 Cr 3,600,000 Petronet LNG Ltd (Energy)
Equity, Since 30 Jun 24 | PETRONET3% ₹137 Cr 4,100,000 2. Invesco India PSU Equity Fund
CAGR/Annualized return of 12.3% since its launch. Ranked 33 in Sectoral category. Return for 2024 was 25.6% , 2023 was 54.5% and 2022 was 20.5% . Invesco India PSU Equity Fund
Growth Launch Date 18 Nov 09 NAV (17 Jan 25) ₹58.21 ↑ 0.79 (1.38 %) Net Assets (Cr) ₹1,345 on 30 Nov 24 Category Equity - Sectoral AMC Invesco Asset Management (India) Private Ltd Rating ☆☆☆ Risk High Expense Ratio 2.39 Sharpe Ratio 1.74 Information Ratio -0.72 Alpha Ratio 4.57 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 Dec 19 ₹10,000 31 Dec 20 ₹10,607 31 Dec 21 ₹13,900 31 Dec 22 ₹16,755 31 Dec 23 ₹25,883 31 Dec 24 ₹32,519 Returns for Invesco India PSU Equity Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 17 Jan 25 Duration Returns 1 Month -8.5% 3 Month -10.4% 6 Month -17.5% 1 Year 19.3% 3 Year 28.6% 5 Year 25% 10 Year 15 Year Since launch 12.3% Historical performance (Yearly) on absolute basis
Year Returns 2023 25.6% 2022 54.5% 2021 20.5% 2020 31.1% 2019 6.1% 2018 10.1% 2017 -16.9% 2016 24.3% 2015 17.9% 2014 2.5% Fund Manager information for Invesco India PSU Equity Fund
Name Since Tenure Dhimant Kothari 19 May 20 4.62 Yr. Data below for Invesco India PSU Equity Fund as on 30 Nov 24
Equity Sector Allocation
Sector Value Industrials 32.5% Financial Services 25.06% Utility 15.92% Energy 13.66% Basic Materials 6.48% Asset Allocation
Asset Class Value Cash 4.22% Equity 95.78% Top Securities Holdings / Portfolio
Name Holding Value Quantity Bharat Electronics Ltd (Industrials)
Equity, Since 31 Mar 17 | BEL10% ₹134 Cr 4,338,255 Power Grid Corp Of India Ltd (Utilities)
Equity, Since 28 Feb 22 | POWERGRID8% ₹109 Cr 3,314,683
↑ 1,425,413 State Bank of India (Financial Services)
Equity, Since 28 Feb 21 | SBIN8% ₹105 Cr 1,251,543 Bharat Petroleum Corp Ltd (Energy)
Equity, Since 30 Sep 18 | BPCL6% ₹81 Cr 2,775,528 SBI Life Insurance Co Ltd (Financial Services)
Equity, Since 30 Sep 17 | SBILIFE5% ₹67 Cr 465,309 BEML Ltd (Industrials)
Equity, Since 31 Aug 23 | BEML5% ₹65 Cr 152,998 National Aluminium Co Ltd (Basic Materials)
Equity, Since 31 Aug 24 | NATIONALUM5% ₹63 Cr 2,604,332 Oil & Natural Gas Corp Ltd (Energy)
Equity, Since 31 Aug 24 | ONGC5% ₹62 Cr 2,429,688 Hindustan Aeronautics Ltd Ordinary Shares (Industrials)
Equity, Since 31 May 22 | HAL4% ₹59 Cr 130,981 Indian Railway Catering And Tourism Corp Ltd (Industrials)
Equity, Since 30 Apr 24 | IRCTC4% ₹53 Cr 650,971
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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