Mutual Fund SIP Returns Analyzer

Published: October 4, 2013 at 7:27 am

Last Updated on

Use this tool to analyze the returns from monthly SIP investments in mutual funds for investment periods ranging from one to seven years.  For comparison, SIP returns of an equity index (choose among Sensex, Nifty, CNX small cap and CNX mid cap) is also calculated.

Features

  •  Choose the mutual fund you need to analyze, click the analyze fund macro button and observe the results! As simple as that.
  • Mutual Fund NAV history from 3rd April 2006 to the last business day are retrieved from the AMFI website
  • SIP returns, investment value, total units etc. are calculated for investment durations ranging from 1 to  years with the last business day as the end-date
  • Choose a relevant equity index, click the analyze index macro button and observe results!
  • CNX Nifty, CNX small cap and CNX large cap data from 3rd April 2006 to 30th Sep. 2013, retrieved from the NSE website is already available in the file.
  • Data for these indices from 1st October 2013 to last business date will be retrieved from Yahoo! Finance and combined with the NSE data.
  • The NSE site server is finicky and does not allow large data range downloads! Yahoo! Finance does have full data. Hence this arrangement
  • Sensex data from 3rd April 2006 to last business day is retrieved from Yahoo finance.
  • Why April 3rd 2006? That is the last date in the AMFI database! If you want NAV history from fund inception you can use this downloader to retrieve it from Yahoo! Finance. However, this is not possible for some funds like HDFC Top 200.

 

  • Lump sum returns for (approximately) the same period as the SIP durations is also calculated for the fund and index.
  • You can also calculate returns for any two dates within the NAV history (instructions in the file)
  • Results for HDFC Balanced Fund is shown in the screenshot
Mutual Fund SIP Returns Analyzer
Screenshot of the Mutual Fund SIP Returns Analyzer

 

  • I would like to include debt fund indices like CRISIL composite bond etc. Does anyone know how this is possible?
  • Important:  Use growth option only for analysis. Do you know why?!

Download the Mutual Fund SIP Returns Analyzer  (Mar. 2014)

Thanks to Satya S Mishra for pointing out errors. BSE Bankex has been removed. All errors weeded out (hopefully!)

Compare with BSE Sensex, CNX Nifty, CNX Midcap, CNX 500, BSE 100, BSE  200 and BSE 500, partly from Yahoo finance and partly from NSE and BSE.

Download the Mutual Fund SIP Returns Analyzer  (Jan. 2014)

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Compare with BSE Sensex, CNX Nifty, CNX Midcap, CNX 500 and BSE Bankex  from Yahoo finance.

 Download the Mutual Fund SIP Returns Analyzer  (Oct. 2013

Compare with BSE Sensex from Yahoo Finance, CNX Nifty, CNX Midcap, CNX  Small Cap from NSE (unreliable and gives errors)

(Excel 2007, enable macros, enable data connections, active internet connection needed!)

If you need a .xls file for Excel 2003 or lower versions, leave a comment.

Comments and suggestions are welcome

Do share if you found this useful
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Pattabiraman editor freefincalM. Pattabiraman(PhD) is the founder, managing editor and primary author of freefincal. He is an associate professor at the Indian Institute of Technology, Madras. since Aug 2006. Connect with him via Twitter or Linkedin Pattabiraman has co-authored two print-books, You can be rich too with goal-based investing (CNBC TV18) and Gamechanger and seven other free e-books on various topics of money management. He is a patron and co-founder of “Fee-only India” an organisation to promote unbiased, commission-free investment advice.
He conducts free money management sessions for corporates and associations on the basis of money management. Previous engagements include World Bank, RBI, BHEL, Asian Paints, Cognizant, Madras Atomic Power Station, Honeywell, Tamil Nadu Investors Association. For speaking engagements write to pattu [at] freefincal [dot] com

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53 Comments

  1. Its an amazing calculator. It lets you compare Fund’s Lump-sum vs SIP returns, which is very nice.

  2. Its an amazing calculator. It lets you compare Fund’s Lump-sum vs SIP returns, which is very nice.

  3. thank you again for your never tiring efforts for offering wonderful calculators free on your blog.. i just tried to see the relevant performance , and found in time!seen at a glance that all (my) funds performed better than the indices in period more than 3-5 yrs.

  4. thank you again for your never tiring efforts for offering wonderful calculators free on your blog.. i just tried to see the relevant performance , and found in time!seen at a glance that all (my) funds performed better than the indices in period more than 3-5 yrs.

    1. sorry, previously i did not check the calculator correctly. today i found some of my funds ,such as IDFC PREMIER PLAN A REGULAR, HDFC MID CAP OPP. REGULAR are not in the list. for other it seems working correctly. i checked for QLTE, TIEQ.INCOME, HDFC EQUITY and ICICIPRU DISCOVERY. thank you.

      1. I am able to locate HDFC Mid Cap oppur reg. Are you referring to IDFC Prem Equity? If so, I can find it. Please check and let me know.

        1. today i again tried for hdfc mid cap oppo. regular , but i could not find. hdfc mid cap oppo. direct option is available. for idfc premier equity , plan B is available , but i need plan A. just for your information. thank you again.

          1. There was a sorting error. I have corrected this now along with a minor bug. Thanks for pointing this out. Please redownload and try again. Thanks.

          2. thank you, sir. this time , it worked for both mfs hdfc mid cap oppo. regular and idfc premier equity regular plan

    1. sorry, previously i did not check the calculator correctly. today i found some of my funds ,such as IDFC PREMIER PLAN A REGULAR, HDFC MID CAP OPP. REGULAR are not in the list. for other it seems working correctly. i checked for QLTE, TIEQ.INCOME, HDFC EQUITY and ICICIPRU DISCOVERY. thank you.

      1. I am able to locate HDFC Mid Cap oppur reg. Are you referring to IDFC Prem Equity? If so, I can find it. Please check and let me know.

        1. today i again tried for hdfc mid cap oppo. regular , but i could not find. hdfc mid cap oppo. direct option is available. for idfc premier equity , plan B is available , but i need plan A. just for your information. thank you again.

          1. There was a sorting error. I have corrected this now along with a minor bug. Thanks for pointing this out. Please redownload and try again. Thanks.

          2. thank you, sir. this time , it worked for both mfs hdfc mid cap oppo. regular and idfc premier equity regular plan

  5. Hi I have used your calculator to calculate the returns of HDFC Top – 200 Fund (Growth) option.The numbers I got are as follows.
    Fund SIP returns (CAGR) – 8.49% (over the past 7 years)
    Fund lumpsum returns – 10.88% (over the past 7 years)

    I am an NRI.If you see the following link

    http://www.sbiuk.com/nri/interest-rates under the section (NON-RESIDENT EXTERNAL RUPEE TERM DEPOSIT) I can see that Annualised yield (I assume another name for Compounded Annual Growth Rate??) is 12.35%.And the intrest on the above account is excempted form income tax.

    My qeustions are
    1) Am I missing something obvious and making a stupid assumption?
    2) If not,what is the point of risking my money when I get this returns in SBI?

    It would be great if you could comment on the same? Please note that I have taken the example of HDFC Top 200 fund as I have read your article on the same fund before.

    1. Hi Karthik,

      income from NRE deposit schemes is tax-free as per my understanding. So if you are you going earn tax free income at 12.35% it would be prudent for you to capitalize on it and invest, instead of investing in volatile Indian equity.

  6. Hi I have used your calculator to calculate the returns of HDFC Top – 200 Fund (Growth) option.The numbers I got are as follows.
    Fund SIP returns (CAGR) – 8.49% (over the past 7 years)
    Fund lumpsum returns – 10.88% (over the past 7 years)

    I am an NRI.If you see the following link

    http://www.sbiuk.com/nri/interest-rates under the section (NON-RESIDENT EXTERNAL RUPEE TERM DEPOSIT) I can see that Annualised yield (I assume another name for Compounded Annual Growth Rate??) is 12.35%.And the intrest on the above account is excempted form income tax.

    My qeustions are
    1) Am I missing something obvious and making a stupid assumption?
    2) If not,what is the point of risking my money when I get this returns in SBI?

    It would be great if you could comment on the same? Please note that I have taken the example of HDFC Top 200 fund as I have read your article on the same fund before.

    1. Hi Karthik,

      income from NRE deposit schemes is tax-free as per my understanding. So if you are you going earn tax free income at 12.35% it would be prudent for you to capitalize on it and invest, instead of investing in volatile Indian equity.

  7. Painstakingly made, thank you Sir!!!
    Any general observations – if lumpsum investment is better than SIP?

    1. Hi Jay, Thank you very much. Lumpsum or SIP depends on cashflow. For salaried SIP is best. For businessmen if cash flow is once every few months, then lumpsum when the market falls by 1-2% is the best. In any case investing a little bit each time the market crashes is good if there is some cash available. If cash flow analysis is done properly and with a good budget, excess will not be available!

  8. Painstakingly made, thank you Sir!!!
    Any general observations – if lumpsum investment is better than SIP?

    1. Hi Jay, Thank you very much. Lumpsum or SIP depends on cashflow. For salaried SIP is best. For businessmen if cash flow is once every few months, then lumpsum when the market falls by 1-2% is the best. In any case investing a little bit each time the market crashes is good if there is some cash available. If cash flow analysis is done properly and with a good budget, excess will not be available!

  9. Sir, one doubt. These days we can SIP for 6 days in a month. Suppose if we do a SIP of 3000/month. Is it good to do 500/5days instead of doing it at once a month. Will the returns differ?

  10. Sir, one doubt. These days we can SIP for 6 days in a month. Suppose if we do a SIP of 3000/month. Is it good to do 500/5days instead of doing it at once a month. Will the returns differ?

  11. Quick doubt. Did not know where exactly to post this, so posting here.
    I understand the power of compounding: i invest rs.100, at 10% interest it becomes rs.110 next year, and I then get 10% on Rs.110, which makes the total Rs.121, etc.

    But how does compounding work with Mutual funds?

    Since you only hold a certain number of units, and only NAV fluctuates, how does compounding work there?

    I understand that there might be dividends paid out by MFs, which will be reinvested. But are the dividends reinvested really that significant?
    Any example please?

    1. Hi vince,

      Compounding in mutual funds depend on NAV appreciation (or depreciation). You buy units on one day and see the value on any other day. You could calculate between the two dates, the compounded annualised growth rate (CAGR). That is, you are finding an interest rate equivalent to the 10% rate you mentioned.

      In a SIP each instalment compounds at its own pace. So we calculate the average CAGR. I will do a detailed post on this.

      Divident reinvestments are something we are not aware of, unless we take the dividend option. Yes. they will make a difference to the CAGR over a long period of time.

      Let me know if you need any further clarification.

  12. Quick doubt. Did not know where exactly to post this, so posting here.
    I understand the power of compounding: i invest rs.100, at 10% interest it becomes rs.110 next year, and I then get 10% on Rs.110, which makes the total Rs.121, etc.

    But how does compounding work with Mutual funds?

    Since you only hold a certain number of units, and only NAV fluctuates, how does compounding work there?

    I understand that there might be dividends paid out by MFs, which will be reinvested. But are the dividends reinvested really that significant?
    Any example please?

    1. Hi vince,

      Compounding in mutual funds depend on NAV appreciation (or depreciation). You buy units on one day and see the value on any other day. You could calculate between the two dates, the compounded annualised growth rate (CAGR). That is, you are finding an interest rate equivalent to the 10% rate you mentioned.

      In a SIP each instalment compounds at its own pace. So we calculate the average CAGR. I will do a detailed post on this.

      Divident reinvestments are something we are not aware of, unless we take the dividend option. Yes. they will make a difference to the CAGR over a long period of time.

      Let me know if you need any further clarification.

  13. Thanks for your response sir!

    So an MF helps your compound well, only if you invest during a dip.

    Awaiting the post you mentioned!

    Regards
    Vince

  14. Thanks for your response sir!

    So an MF helps your compound well, only if you invest during a dip.

    Awaiting the post you mentioned!

    Regards
    Vince

  15. Hiii…doing excellant work…pl let me know by which way ‘xlsm’ files can be seen on android mobile..any supporting application ?..thanks

  16. Hiii…doing excellant work…pl let me know by which way ‘xlsm’ files can be seen on android mobile..any supporting application ?..thanks

  17. Important: Use growth option only for analysis. Do you know why?!

    may be sufficent data not availiable 😀

  18. Important: Use growth option only for analysis. Do you know why?!

    may be sufficent data not availiable 😀

Comments are closed.