Mutual Fund Calculator — SIP & Lumpsum Returns Calculator

Consider your risk appetite, investment horizon, and financial goals. For long-term (5+ years), equity funds are ideal. For short-term (1-3 years), debt or liquid funds work better. Compare expense ratios, past performance (3-5 year CAGR), and fund manager track record.

NAV (Net Asset Value) is the per-unit market value of a mutual fund scheme. It is calculated daily as: NAV = (Total Assets - Total Liabilities) / Number of Units. When you invest ₹10,000 in a fund with NAV ₹50, you get 200 units.

Mutual funds are regulated by SEBI and managed by AMFI-registered fund houses. While equity funds carry market risk, they are not unsafe. Debt funds are relatively stable. Diversification across fund types reduces overall risk. No mutual fund has ever gone bankrupt in India.

Expense ratio is the annual fee charged by the fund house for managing your money. It typically ranges from 0.1% (index funds) to 2.5% (active funds). Lower expense ratio means more of your returns stay with you. Direct plans have lower expense ratios than regular plans.

Open-ended mutual funds allow withdrawal at any time (except ELSS which has a 3-year lock-in). Withdrawals are processed at the prevailing NAV. Equity funds may have an exit load of 1% if redeemed within 1 year. Debt funds usually have no exit load after 1-3 months.