Mutual funds are among the most popular investment options in India. By June 2019, the average assets under management (AuM) of the mutual fund industry had grown to an impressive Rs. 24.25 trillion, a fourfold increase from Rs. 5.83 trillion in 2009.

While mutual fund investments come with market risks, it’s possible to estimate returns with a reasonable degree of accuracy. You can use the free mutual fund return calculator from Online CA Filing to get an estimate of your potential returns.

How Can an Online Mutual Fund Return Calculator Help You?

There are various types of mutual fund returns, including absolute return, annualized return, total return, trailing return, point-to-point return, and rolling return. For prospective investors, tracking all these can be overwhelming, which is where the online calculator comes in handy.

It provides you with return estimates for 1-year, 3-year, and 5-year periods and helps you plan your future finances based on these estimates. You don’t need any special expertise to use this calculator—it’s user-friendly, even for beginners.

How Does a Mutual Fund Total Return Calculator Work?

A mutual fund calculator is a practical tool that helps investors calculate the returns on their mutual fund investments. Generally, you can invest in mutual funds in two ways: one-time investments or through a Systematic Investment Plan (SIP).

SIP involves investing a set amount regularly in a mutual fund. One thing to keep in mind is that the Net Asset Value (NAV) of funds changes every month, which means the number of units you purchase can vary. For instance, if you invest Rs. 1000 per month via SIP and the NAV in the first month is Rs. 10, you can buy 100 units. If the NAV increases to Rs. 20 in the second month, your Rs. 1000 will only buy 50 units.

An online SIP calculator helps you predict your returns based on the amount invested, the duration, and the expected rate of return. Input this data, and the calculator will instantly provide your estimated returns.

In a one-time investment, you invest a lump sum into a scheme. Unlike SIPs, changes in NAV don’t affect the number of units purchased, and the calculator will generate the expected returns based on your initial investment amount, estimated ROI, and the investment duration.

Estimated Returns on Key Schemes

There are three main categories of mutual funds: equity, debt, and hybrid. Here are some high-performing funds in each category with their estimated returns:

Equity Funds:

• Aditya Birla Sunlife Frontline Equity Fund – Moderate risk, 9.47%-10.50% returns
• HDFC Mid-cap Opportunities Fund – High risk, 12.60%-16.99% returns
• ICICI Pru Focused Bluechip Equity Fund – Moderate risk, 13.18%-11.03% returns

Debt Funds:

• Aditya Birla Sun Life Active Debt Multi-manager FoF Scheme – Low risk, 8.30%-6.92% returns
• Axis Short Term – Direct Plan – Moderate risk, 10.06%-8.25% returns
• Canara Robeco Income – Reg – High risk, 13.50%-8.94% returns

Hybrid Funds:

• Indiabulls Savings Income Direct-G – Low risk, 9.02%-11.42% returns
• Mirae Asset Hybrid Equity Direct-G – High risk, 12.07%-14.04% returns
• ICICI Pru Equity & Debt Direct-G – High risk, 10.43%-12.20% returns

When using the mutual fund return calculator, simply input your chosen investment variables from the tables and select your investment duration.

Using Online CA Filing’s Calculator

The mutual fund return calculator from Online CA Filing is simple to use. Enter your investment amount, the expected rate of return, and the investment period. The tool will quickly provide an estimate of the total appreciated value.

Benefits of Using Online CA Filing’s Calculator:

• Accurate Estimates: Get a clear picture of your mutual fund returns.
• Saves Time: No need for manual calculations.
• Convenient: Access the calculator from anywhere to plan your investments on the go.

Mutual funds are growing steadily as an investment option in India. While they carry risks, the potential returns are also higher, making them a compelling choice for investors.

Ready to invest? Open an account with Online CA Filing and start investing in direct Mutual Funds for free.