CAGR Calculator India (2026)
Calculate Compound Annual Growth Rate for stocks, mutual funds, and any investment. Compare performance instantly.
Investment Details
📊 Benchmark Comparison
💡 Smart Insights
Investment performance analysis
Below all major benchmarks
Your 0.0% CAGR trails FD (7%), Gold (9%), Nifty 50 (12%). Consider diversifying your portfolio.
📊 Benchmark Comparison
How your CAGR compares
Important Disclaimer
CAGR represents historical growth and does not guarantee future returns. Past performance is not indicative of future results. Always consider risk factors before investing.
Real Example
If ₹1,00,000 grows to ₹2,00,000 in 5 years:
Your money doubled at a compounded rate of 14.87% per year — beating most FDs and gold returns!
CAGR Formula
The math behind the metric
CAGR = (FV / IV)1/N – 1What is CAGR?
CAGR (Compound Annual Growth Rate) represents the rate at which an investment would have grown if it grew at a steady rate. It smooths out the volatility and gives a single, clean number to compare investments.
Unlike simple average returns, CAGR accounts for compounding — making it the most accurate way to measure investment performance over multiple years.
What CAGR Really Means
Shows average yearly growth
CAGR tells you the average rate your investment grew each year, as if it grew steadily without any ups or downs.
Smooths out market fluctuations
Real investments don't grow at a steady rate. CAGR ignores the bumps and gives you one clean number.
Useful for comparing investments
You can directly compare CAGR of stocks, mutual funds, gold, and FDs — even if they have different time periods.
CAGR Formula
CAGR = (FV / IV)1/N – 1Typical CAGR by Asset Class
| Asset Class | Typical CAGR | Risk |
|---|---|---|
| 🏦 Fixed Deposit | 6–7% | Very Low |
| 🥇 Gold | 8–10% | Low-Med |
| 📊 Debt Funds | 7–9% | Low |
| 📈 Nifty 50 | 12–15% | High |
| 🚀 Mid-Cap | 15–18% | Very High |
| 🏠 Real Estate | 8–12% | Medium |
CAGR vs Simple Returns
✅ CAGR (Use This)
- • Accounts for compounding
- • Smooths out volatility
- • Best for multi-year comparison
- • Industry standard
❌ Simple Average (Misleading)
- • Ignores compounding effect
- • Can overstate actual returns
- • Not useful for comparison
- • Can be very misleading
Where is CAGR Used?
Mutual Fund Returns
AMCs report 1Y, 3Y, 5Y CAGR for all schemes.
Stock Performance
Compare long-term stock growth across sectors.
Business Revenue
Companies report revenue CAGR in annual reports.
Portfolio Analysis
Track overall portfolio growth over years.
Real Estate
Measure property value appreciation.
Gold & Commodities
Compare commodity returns with equity.
Frequently Asked Questions
What is a good CAGR?
A good CAGR depends on the asset class. For equity, 12-15% is considered good. For debt, 7-9% is acceptable. Always compare CAGR against the relevant benchmark.
Is CAGR same as returns?
No. CAGR is the average compounded growth rate. Actual yearly returns may vary wildly. CAGR smooths them into a single number for easy comparison.
Can CAGR be negative?
Yes, if your investment value decreased over time. A negative CAGR means your investment lost value on average each year.
What is the Rule of 72?
Divide 72 by the CAGR to estimate how many years it takes to double your money. Example: At 12% CAGR, money doubles in ~6 years.
CAGR vs XIRR — what's the difference?
CAGR assumes a lump sum investment. XIRR handles multiple cash flows (like SIPs) at irregular intervals. Use XIRR for SIP returns.
Does CAGR account for inflation?
No. CAGR shows nominal returns. To get real returns, subtract the inflation rate from CAGR. Example: 12% CAGR - 6% inflation = 6% real return.
How to calculate CAGR for mutual funds?
Use NAV at start date as Initial Value and NAV at end date as Final Value. Apply the CAGR formula: (End/Start)^(1/years) - 1.
Is higher CAGR always better?
Not necessarily. Higher CAGR often comes with higher risk. A 15% CAGR in small-caps has much higher risk than 8% CAGR in FDs. Consider risk-adjusted returns.
Other Calculators
Track Your Investment Performance!
Use CAGR to measure and compare your investments. Make data-driven financial decisions.
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Last Updated: 31 May 2026