Mutual Fund Returns & Comparison
Search Indian mutual fund schemes, compare performance over 1Y/3Y/5Y/10Y/MAX, visualize indexed growth, and estimate SIP projections. Add unlimited funds for side‑by‑side comparison.
Search & Compare Funds
SIP Projection
Indexed Growth (base = 100)
Returns Summary
How this tool works
- Type to search schemes via a public Indian MF API; add unlimited funds to compare.
- We compute CAGR for popular horizons using historical NAVs and show absolute returns from the selected period start.
- Indexed chart normalizes to a common start so you can fairly compare performance across funds.
- SIP projection estimates maturity value for a monthly SIP based on expected annual return.
Disclaimers
- Data is fetched from a public API; availability and accuracy are not guaranteed.
- Past performance does not guarantee future results. Market risks apply. This is not investment advice.
- All calculations (CAGR, SIP projections) are estimates for educational purposes only.
- Before investing, read scheme information documents (SID/SAI/KIM) and consult a qualified advisor.
- We do not store personal financial data. Use at your own discretion.
Filtering & Focus
Category
Large/Mid/Small‑cap, Index/ETF, Debt, Hybrid, International — compare like‑for‑like.
Plan Type
Direct vs Regular plans have different expense ratios; prefer consistent plan type.
AMC / Search
Use scheme or AMC name to quickly find funds; avoid duplicates.
Period
Switch between 1Y/3Y/5Y/10Y/MAX to view absolute return and annualized CAGR.
Key Features
- Unlimited fund comparison with color-coded legends
- Indexed growth and absolute return charts by period
- CAGR for 1Y/3Y/5Y/10Y/MAX horizons
- Monthly SIP projection chart with expected return
- Mobile-optimized tables and tooltips
Popular Use Cases
- Compare large-cap vs mid-cap vs small-cap mutual funds
- Evaluate index funds vs actively managed funds
- Check consistency of returns before investing
- Estimate SIP maturity for long-term goals
- Share comparisons with your advisor
How to Use
- Search and add the mutual funds you want to compare
- Select a time period (1Y/3Y/5Y/10Y/MAX) to analyze
- Hover the chart to see Date, Absolute Return, and CAGR
- Adjust SIP amount/expected return to see projected value
- Use the summary to compare CAGR across horizons
CAGR vs XIRR: which metric should you use?
CAGR (Compound Annual Growth Rate) measures point‑to‑point growth, ideal for lump‑sum investments. XIRR (Extended Internal Rate of Return) incorporates irregular cash flows like SIPs or redemptions. Use CAGR to compare scheme performance over the same window; use XIRR to evaluate your personal returns from periodic investments.
- Keywords: CAGR formula, XIRR meaning, SIP returns, IRR vs CAGR
- Limitations: CAGR ignores volatility and interim cash flows
What is NAV? Frequency and data freshness
NAV (Net Asset Value) is the per‑unit price of a mutual fund, typically published at end‑of‑day by AMCs and registrars. Holidays and cut‑off timings can affect availability. Index funds also report tracking error and tracking difference relative to their benchmarks.
- Keywords: NAV vs price, NAV update time, tracking error, tracking difference
Rolling returns vs point‑to‑point
Point‑to‑point returns can be skewed by start and end dates. Rolling returns average performance across multiple overlapping windows to assess consistency. While this tool shows period CAGR and indexed growth, consider reviewing rolling returns from the AMC or research portals for deeper analysis.
- Keywords: rolling returns, consistency of returns, volatility
Direct vs Regular plans; Expense ratio
Direct plans have lower expense ratios since they do not include distributor commissions, often resulting in higher long‑term returns than Regular plans of the same scheme. Compare expense ratios, exit load, and category average while evaluating funds.
- Keywords: direct vs regular, expense ratio impact, exit load
Taxation overview: ELSS, LTCG/STCG, indexation
Equity‑oriented funds (including ELSS) and debt funds have different tax rules. Long‑term and short‑term capital gains, dividend taxation, and indexation benefits (for eligible categories) may apply. Always check current regulations and consult a tax professional.
- Keywords: ELSS tax benefits, LTCG rate India, STCG, debt fund taxation
Risk and diversification
Category allocation (large, mid, small, sectoral, international) influences risk and drawdowns. Diversification across asset classes and geographies can reduce portfolio volatility. Review scheme benchmark, fund size, mandate, and portfolio concentration.
- Keywords: standard deviation, drawdown, diversification, benchmark
Frequently asked questions
What is CAGR in mutual funds?
CAGR (Compound Annual Growth Rate) shows the average annual return if the investment grew at a steady rate between two dates. It helps compare funds across different time frames.
How accurate are SIP projections?
SIP results are estimates based on the expected annual return you set. They do not reflect actual market performance and should not be treated as financial advice.
Can I compare unlimited funds?
Yes. You can add as many funds as you need. Use the legend to toggle visibility if the chart gets crowded.
Where does the data come from?
We use a public Indian mutual fund NAV API. Data availability, freshness, and accuracy depend on the upstream source.
What are rolling returns?
Rolling returns compute performance over overlapping periods (e.g., daily 3‑year windows) to show consistency instead of a single start‑to‑end number.
Do expense ratios affect returns?
Yes. Higher expense ratios reduce net returns. Direct plans typically have lower expense ratios than Regular plans of the same scheme.
How are mutual funds taxed in India?
Tax treatment depends on equity/debt classification, holding period, and regulations. ELSS offers tax deduction under specific sections; LTCG/STCG rules may apply. Always check current laws or consult a tax professional.