Every SIP calculator asks you for a rate, and almost everyone types 12%. The answer is a smooth curve that has never happened to anybody — it cannot fall, it has no bad year, and it never spends fourteen months worth less than the money you put in. This replays your instalments against the scheme's real published NAV, and keeps the bad months in. हर SIP calculator 12% मानकर चलता है और एक सीधी लकीर दिखा देता है, जो किसी के साथ कभी हुई ही नहीं। यह पन्ना असली NAV पर आपकी किस्तें दोबारा चलाता है — बुरे महीने हटाए बिना।
It is what the scheme's NAV would have given you, and no more than that. It follows the Growth option and counts NAV movement only — it does not model exit loads, stamp duty, the ₹ you would have paid in capital gains tax on selling, or IDCW payouts if you held that option instead. Your account statement will differ, and the gap is those things.
Because the return is what you get if you stay, and the fall is what decides whether you stay. Somebody who knows in advance that this scheme once spent a year worth less than the money paid into it is far less likely to stop the SIP when it happens again. That figure is on this page with the same prominence as the return, on purpose.
An SIP puts money in at many different times, so each instalment has been invested for a different length. The plain percentage gain treats last month's instalment as though it had been there for ten years. XIRR is the single annual rate that makes all of those dates add up correctly. Both are shown here; the plain one is the larger and the less honest.
No, and nothing here should be read that way. This is a record of one past stretch of one scheme. A different start month gives a different answer from the same scheme — try it and see how much it moves.
Nothing you type is sent to us. The scheme you pick is used to fetch its public NAV history; the amount, the date and the result stay in your browser and are gone when you close the tab. There is no sign-up and no account.
Aumsetu publishes scheme facts and does not rate, rank or recommend any scheme. Mutual fund investments are subject to market risks. Read all scheme related documents carefully. Past performance is not indicative of future returns, and nothing on this page is a forecast, a projection or investment advice. Figures are computed by Aumsetu from the scheme's published NAV history and ignore exit loads, stamp duty, taxes and IDCW payouts; they will differ from your account statement.
