Free Tool

CAGR Calculator for
Indian Investors

Calculate the Compound Annual Growth Rate of your investments. Know what your actual annualized return was on stocks, mutual funds, or any investment — not just the raw percentage gain.

CAGR
0%
Absolute Return
0%
Total Gain
₹0

Your investment grew at an annualized rate — meaning if it had grown at a constant rate every year, it would produce the same final value.

Understand the Difference

CAGR vs Absolute Return

The same 100% return means very different things depending on how long it took.

Absolute Return

The total percentage change from buy to sell — ignores time. If ₹1 lakh grew to ₹2 lakh, absolute return is 100%.

Use it for: Quick headline numbers, short-term trades.

CAGR (Annualized)

The constant yearly growth rate that produces the final value. 100% in 10 years is only ~7.18% CAGR — roughly a fixed deposit.

Use it for: Comparing investments across different time periods.

What ₹1,00,000 Grows To

Final value and absolute return at different CAGRs and holding periods.

CAGR 5 Years 10 Years 20 Years
8%₹146,933₹215,892₹466,096
12%₹176,234₹310,585₹964,629
15%₹201,136₹404,556₹1,636,654
18%₹228,776₹523,384₹2,739,303
25%₹305,176₹931,323₹8,673,617

Nifty 50 has historically delivered ~12% CAGR over 20+ years. Good flexi-cap funds have delivered 15-18% over long periods.

Frequently Asked Questions

What does CAGR actually mean?
CAGR (Compound Annual Growth Rate) is the annualized rate of return assuming profits are reinvested every year. It smooths out year-on-year volatility and tells you the "equivalent fixed rate" your investment delivered.
Is CAGR the same as IRR?
No. CAGR works only for a single initial investment and a single final value — no interim cash flows. If you made multiple buys/sells or SIP investments, use XIRR instead, which accounts for timing and amount of each cash flow.
What is a good CAGR for Indian investments?
Historically, Indian equity indices like Nifty 50 have delivered ~11-13% CAGR over 15-20 years. Good actively managed funds have delivered 14-18%. Anything consistently above 20% CAGR over a decade is exceptional and rare.
Why is CAGR lower than my absolute return?
Because CAGR spreads the gain across years. A 100% absolute return feels great, but over 10 years it is only 7.18% CAGR — barely beating inflation. Always look at CAGR when comparing investments with different holding periods.

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