Calculate Lump Sum & SIP Growth — With Real Inflation-Adjusted Returns
Future Value
₹0
Total Invested
₹0
Wealth Gained
₹0
Inflation-Adj. Value
₹0
CAGR
0%
📊 Expected Returns by Fund Category
Category
Conservative
Base Case
Optimistic
Nifty 50 Index Fund
9%
12%
15%
Large Cap Active
9%
11%
14%
Multi/Flexi Cap
10%
13%
16%
Mid Cap
10%
14%
18%
Small Cap
8%
15%
22%
Debt Fund (Short)
6.5%
7.5%
8.5%
Balanced Advantage
9%
11%
13%
FAQs
Is 12% CAGR realistic for equity mutual funds in India?
Yes — the Sensex has delivered approximately 14–15% CAGR over 30 years. Nifty 50 index funds typically deliver 11–13% CAGR over long periods. For diversified equity funds (flexi/multi cap), 12% is a conservative base case. Past returns don't guarantee future, but India's growth story supports long-term equity investing.
What is LTCG tax on mutual fund returns?
Equity funds held 12+ months: 12.5% LTCG on gains above ₹1.25 lakh/year. Debt funds: taxed at your income slab rate regardless of holding period (from April 2023 onwards). Plan redemptions to harvest ₹1.25L gains tax-free annually from equity funds.