Mutual Fund Investment Calculator – SIP & Lumpsum

📈 Mutual Funds: A Growing Investment Avenue in India

Mutual funds have emerged as one of the most preferred investment options in India. As of June 2019, the average Assets Under Management (AUM) of the mutual fund industry stood at ₹24.25 trillion—up significantly from ₹5.83 trillion in 2009. This fourfold increase reflects growing investor confidence and interest in mutual fund schemes.

🧮 Why Use a Mutual Fund Return Calculator?

Although mutual funds are subject to market risks, their returns can be estimated using online tools. The Mutual Fund Return Calculator by Govjobresult is one such tool that helps investors predict returns over different investment periods—typically 1 year, 3 years, and 5 years.

This tool is especially useful because:

• It simplifies future financial planning.
• No expert knowledge is required—it’s beginner-friendly.
• It helps compare different return types like absolute, annualised, trailing, and rolling returns.

🔢 How Does a Mutual Fund Calculator Work?

A mutual fund calculator estimates your potential returns based on input values like investment amount, expected rate of return, and investment tenure. It works for both lump-sum and SIP (Systematic Investment Plan) investments.

💸 SIP vs One-Time Investment

✅ SIP (Systematic Investment Plan)

SIP allows you to invest a fixed amount every month. The number of units you buy varies with the Net Asset Value (NAV).
Example:

• Month 1: Invest ₹1000 at NAV ₹10 = 100 units
• Month 2: NAV rises to ₹20, ₹1000 buys only 50 units

An online SIP calculator uses this data to compute estimated returns in seconds.

✅ Lump-Sum Investment

Here, you invest a large amount at once. Unlike SIPs, NAV fluctuations don’t affect unit quantity at the time of investment.
You simply input:

• Investment amount
• Expected ROI
• Investment duration

📊 Estimated Returns on Popular Schemes

Below are examples of top-performing mutual fund schemes across categories:

🟦 Equity Funds

• Aditya Birla Sunlife Frontline Equity Fund – Moderate | 9.47% – 10.50%
• HDFC Mid-cap Opportunities Fund – High | 12.60% – 16.99%
• ICICI Pru Focused Bluechip Equity Fund – Moderate | 13.18% – 11.03%

🟩 Debt Funds

• Aditya Birla Sun Life Active Debt FoF – Low | 8.30% – 6.92%
• Axis Short Term – Direct Plan – Moderate | 10.06% – 8.25%
• Canara Robeco Income – Reg – High | 13.50% – 8.94%

🟨 Hybrid Funds

• Indiabulls Savings Income – Direct-G – Low | 9.02% – 11.42%
• Mirae Asset Hybrid Equity – Direct-G – High | 12.07% – 14.04%
• ICICI Pru Equity & Debt – Direct-G – High | 10.43% – 12.20%

💻 How to Use Govjobresult Mutual Fund Calculator

Using the Groww calculator is simple:

1. Enter your investment amount.
2. Enter the expected rate of return (%).
3. Enter the investment tenure in years.

The tool instantly shows your investment’s appreciated value, helping you make quick, data-backed decisions.

✅ Benefits of Govjobresult Online Mutual Fund Calculator

• Provides accurate return estimates
• Saves time and avoids manual calculations
• Can be used anywhere, anytime for planning on-the-go
• Designed for both beginners and experienced investors

❓ FAQs

Q1. Can mutual funds give negative returns?
Yes, mutual funds are market-linked and may sometimes yield negative returns based on market performance.

Q2. How many mutual fund schemes exist in India?
India currently has hundreds of mutual fund schemes across categories such as equity, debt, hybrid, and more, managed by over 40 AMCs (Asset Management Companies).