Smarter investing starts with better research

  • Powered by trusted AMFI NAV data
  • Compare SIP & lumpsum returns
  • Know your returns before you invest
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XIRR
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Estimated Returns
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Total Value
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Fund Age—
Data Since—
₹10,000
10years

Disclaimer

Mutual fund returns are market-linked and not guaranteed; past performance may or may not sustain in the future.

Investment Breakdown

XIRR
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Inv. Amount
Est. Returns
INVESTMENT AMOUNT
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ESTIMATED RETURNS
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TOTAL VALUE
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Disclaimer

Mutual fund returns are market-linked and not guaranteed; past performance may or may not sustain in the future.

How It Works?

Four steps from input to insight.

Plug in a fund and a time window. We pull the actual NAV history, replay your investment, and show what your money really did — not a generic estimate.

  1. Inputs

    You Enter

    Fund, amount, mode (SIP or Lumpsum), and time period.

  2. Data

    We Fetch Real NAV

    SIP gets one NAV per month. Lumpsum gets the start and end NAV.

  3. Engine

    We Calculate Returns

    SIP tracks units bought each month → XIRR. Lumpsum tracks NAV growth → CAGR.

  4. Output

    You Get Results

    Amount invested, final value, net returns, and the annualised return rate.

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Frequently Asked Questions

  • How does MFReturns calculate mutual fund returns?

    MFReturns uses official historical NAV data published by AMFI to simulate how an investment would have performed over the selected time period. SIP returns are calculated using XIRR based on monthly investments, while lumpsum returns use CAGR based on actual NAV growth.

  • Where does MFReturns get mutual fund NAV data?

    MFReturns uses official NAV data published by AMFI (Association of Mutual Funds in India). All calculations and return estimates are based on these industry-standard historical NAV records.

  • Why can MFReturns results differ from other mutual fund calculators?

    MFReturns uses real historical NAV data and XIRR-based cashflow calculations to simulate past investment performance. Other calculators may use fixed return assumptions, projected growth rates, different SIP dates, or alternate calculation methods, which can lead to different results.

  • Are mutual fund return calculators accurate?

    Mutual fund return calculators provide estimates based on historical NAV data and user inputs. Results are useful for analysis and comparison, but actual future returns may differ. MFReturns calculations do not currently include taxes, exit loads, or transaction charges unless explicitly stated. Historical performance does not guarantee future returns.

  • How are SIP returns calculated?

    MFReturns calculates SIP returns using XIRR, a method that accounts for the timing of each monthly investment. The calculator uses historical mutual fund NAV data to simulate how a SIP investment would have performed over the selected period.

  • Do you provide personalised investment advice?

    No. MFReturns is an educational and calculator platform, not a SEBI-registered investment advisor. The information provided on this website is for informational purposes only and should not be considered financial advice. For personalised investment guidance, please consult a SEBI-registered investment advisor (RIA).

Need help or have feedback?

Questions, bug reports, partnerships, or general inquiries — feel free to reach out to our team.

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