# Mutual Fund CAGR Calculator

> Find the compound annual growth rate of a lump-sum mutual fund or stock investment from the amount invested, its current value and the two dates.

Category: India tax & investing · Applies to: India · Last updated: 2026-10-29
Interactive calculator: https://calculators.geekmidst.com/calculators/india-mutual-fund-cagr-calculator

CAGR is the steady yearly growth rate that turns your starting amount into the ending value over the exact holding period. It makes returns over different periods comparable.

Also called: CAGR calculator, Annualised return calculator.

## Inputs
- Amount invested (default 100000)
- Current value (default 175000)
- Investment date (default 2021-04-01)
- Valuation date (default 2026-04-01)
- Currency (default INR)

## Results
- CAGR
- Absolute return
- Gain
- Holding period
- Days held

## Formula

```
CAGR = (End value ÷ Start value)^(1 ÷ Years) − 1;  Years = Days ÷ 365;  Absolute return = (End − Start) ÷ Start
```

Where:
- Days: calendar days between the two dates

## Worked example
1. 1 Jan 2021 to 1 Jan 2024 is 1,095 days = 3 years.
2. 1,33,100 ÷ 1,00,000 = 1.331, and 1.331^(1/3) = 1.10.
3. CAGR = 10% a year; absolute return = 33.1%.

**Result:** ₹1 lakh growing to ₹1.331 lakh in three years is a 10% CAGR.

## What the result means

Use CAGR for a single lump sum. For SIPs or several purchases and redemptions, the right measure is XIRR, because each instalment is invested for a different time.

## Assumptions and limits
- A single investment with no further purchases or withdrawals.
- Years are counted as days ÷ 365.
- For periods under a year, CAGR annualises the return and can look misleadingly large or small.
- Dividends paid out are not included unless you add them to the current value.

## Questions

### What is the difference between CAGR and absolute return?

Absolute return is the total percentage gain; CAGR spreads it into an equivalent yearly rate, so it accounts for how long you held the investment.

### Can I use CAGR for a SIP?

No. Each SIP instalment has a different holding period; use an XIRR calculation instead.

## Related calculators
- [SIP Step-Up Calculator](https://calculators.geekmidst.com/calculators/sip-step-up-calculator)
- [Percentage Change Calculator](https://calculators.geekmidst.com/calculators/percentage-change-calculator)
- [ROI Calculator](https://calculators.geekmidst.com/calculators/roi-calculator)
- [Compound Interest Calculator](https://calculators.geekmidst.com/calculators/compound-interest-calculator)

_Returns are illustrations at a constant rate, not predictions or guarantees. Investments can lose value. This is not investment advice._

Source: GM¹X CalcVerse — https://calculators.geekmidst.com/calculators/india-mutual-fund-cagr-calculator