Returns: CAGR and XIRR
Assumptions
Two-amount mode: absolute return = end ÷ start − 1 and CAGR = (end ÷ start)^(12 ÷ months) − 1. SIP mode: XIRR on monthly instalments with the current value as the final inflow, solved by bisection to 1e-8. Skipped instalments reduce the amount invested but not the holding period. Under twelve months the absolute return is the primary figure and the annualised value is illustrative only. Past returns are not forecasts.
Zerodha Varsity · measuring mutual fund returns
Estimates are not personalised financial advice. Review assumptions before use.
Annualised return (CAGR)
Based on your inputs. Not guaranteed.
Your return against a benchmark
Both values use the same money and dates; only the rate differs. A past return is not a forecast.Both values use the same money and dates; only the rate differs. A past return is not a forecast.
View detailed breakdown
- Invested
- ₹1 lakh
- Gain
- ₹80,000
CAGR or XIRR?
CAGR suits one investment and one exit. XIRR handles dated instalments, so it is the right measure for a SIP.
Detailed results
| Result | Value |
|---|---|
| Annualised return (CAGR) | 12.47 % |
| Amount invested | ₹1 lakh |
| Current or sale value | ₹1.8 lakh |
| Gain or loss | ₹80,000 |
| Absolute return | 80 % |
| Value at the benchmark rate | ₹1.4 lakh |
| Difference against the benchmark | ₹39,745 |
| Holding period | 5 years |