What is a good CAGR in India?

Judge it against the asset class and the period. Over 10+ years, diversified Indian equity funds have historically delivered roughly 11–13%, debt around 6–7% and gold around 8–9%.

What is the difference between CAGR and XIRR?

CAGR assumes a single investment and a single exit. XIRR handles multiple cash flows on different dates, which is what a SIP actually is — so use XIRR for SIP portfolios.

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CAGR Calculator

CAGR smooths an investment's growth into a single yearly rate, so a fund, a stock and a fixed deposit can be compared on the same scale.

CAGR Calculator

The annualised return an investment actually delivered.

Blank gray fields need your amounts. Gray values are recommended starting assumptions and can also be changed. Green fields have been entered or changed.

Initial value₹Final value₹Periodyears

CAGR: 0.00% p.a.
Absolute return: 0.00%
Total gain: ₹0

CAGR smooths a lumpsum investment's growth into a single yearly rate, so you can compare a fund, a stock and an FD on the same scale. For 10+ year equity holdings in India, 11–13% has been a reasonable long-run range; use XIRR instead when money went in through SIPs.

How to use this calculator

Enter the value when you invested and the value today.
Enter the number of years between the two.
Use XIRR instead of CAGR when money went in through SIPs or multiple instalments.

Frequently asked questions

What is a good CAGR in India?: Judge it against the asset class and the period. Over 10+ years, diversified Indian equity funds have historically delivered roughly 11–13%, debt around 6–7% and gold around 8–9%.
What is the difference between CAGR and XIRR?: CAGR assumes a single investment and a single exit. XIRR handles multiple cash flows on different dates, which is what a SIP actually is — so use XIRR for SIP portfolios.

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Disclaimer: Calculations are illustrative and assume constant returns. Mutual fund investments are subject to market risks. Read all scheme related documents carefully.