What is a mutual Fund Calculator?
Mutual fund units are allotted based on the Net Asset Value (NAV) on the day you invest — a ₹50,000 investment at a NAV of ₹50 buys exactly 1,000 units. As the NAV moves, so does the value of your holding, since your unit count stays fixed (outside of dividend reinvestment or further purchases).
This calculator works out how many units a lumpsum investment bought, what that holding is worth at a later NAV, and the resulting absolute and annualised return — useful for checking a folio statement or estimating an existing holding's performance by hand.
How units and returns are calculated
The absolute return is the simple percentage gain on your investment; the annualised (CAGR) return restates that gain as a compounded yearly rate, which is what makes returns comparable across investments held for different lengths of time.
Frequently asked questions
Where do I find my purchase NAV?
It’s on the allotment statement or capital gains statement your fund house (or an aggregator like CAMS/KFintech) sends after a purchase, and also visible in most broker or fund-house apps against each holding.
Does this handle SIP investments with multiple NAVs?
No — this assumes a single lumpsum purchase at one NAV. For a SIP with many purchase dates, use the XIRR Calculator, which handles irregular cash flows correctly.
Why is my annualised return different from the fund’s advertised CAGR?
A fund’s published CAGR is usually calculated from a fixed date (like fund launch), not from your personal purchase date — the two will only match if you invested on that same date.