Mutual Fund
Returns Calculator
Compare & Decide
Calculate returns across all mutual fund categories — Large-Cap, Mid-Cap, Small-Cap, Flexi-Cap, Debt — and find the best fund for your goal and risk appetite.
Mutual Fund Returns Calculator
Compare returns across fund categories — Lumpsum or SIP mode
Mutual Funds — Key Numbers
Everything you need to know about Indian mutual fund categories
Mutual Fund Guide
A complete guide to understanding and choosing the right mutual fund
Large-Cap Funds
Invest in top 100 companies by market cap. Low volatility, steady 12–15% long-term returns. Best for conservative equity investors with 5+ year horizon. Index funds track Nifty 50/Sensex at 0.1% expense ratio.
Mid-Cap Funds
Companies ranked 101–250 by market cap. Higher growth potential (14–18% CAGR) but more volatility. Can fall 40–50% in bear markets. Need 7+ year horizon to ride out volatility cycles.
Small-Cap Funds
Companies ranked 251+ by market cap. Highest return potential (16–20% long-term) but extreme volatility. Can fall 50–60% in downturns. Only for investors with 10+ year horizon and high risk tolerance.
Flexi-Cap Funds
No cap restrictions — fund manager allocates freely across large, mid, small cap based on market conditions. Best of all worlds. Ideal for first-time equity investors. 10–14% historical CAGR.
Balanced/Hybrid Funds
Mix of equity (40–75%) and debt (25–60%). Lower volatility than pure equity. 9–12% CAGR historically. Best for conservative investors who want equity exposure with a safety cushion. Good for 3–7 year goals.
Debt Funds
Invest in bonds, government securities, money market instruments. Returns: 6–8% CAGR. Lower than FD rates in some years. Tax-efficient for high-income earners (taxed at slab rate but with indexation benefit in old regime).
Mutual Fund Pro Tips
Expert strategies to maximise your mutual fund returns
Always Choose Direct Plans
Direct plans skip the distributor commission, reducing expense ratio by 0.5–1%. On ₹50L over 20 years at 12%, this difference alone creates ₹22–35 lakh more wealth. Always invest via direct plan on platforms like MFCentral, Zerodha Coin, or AMC website directly.
Core-Satellite Portfolio
70% in a Nifty 50 or Flexi-Cap index fund (core) — stable, low-cost. 30% in mid-cap or small-cap active funds (satellite) — for additional alpha. This beats most investors who over-diversify across 10+ funds doing the same thing.
Compare Funds on Rolling Returns
Never judge a fund by 1-year returns. Use 5–10 year rolling return comparisons (available on Valueresearch, MFI Explorer). A fund with consistent 14% rolling returns over 10 years beats one with 22% last year but inconsistent history.
Frequently Asked Questions
All about mutual fund returns, categories, and investing in India
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