What is XIRR and how is it different from CAGR?

XIRR (Extended Internal Rate of Return) is the annualized return for a series of cash flows occurring on irregular dates and amounts — like multiple SIP instalments and a final redemption. CAGR only works for a single investment held for one fixed period; XIRR is what mutual fund platforms use to report SIP and multi-transaction returns.

How do I calculate XIRR for my mutual fund SIP?

List every SIP instalment as a negative cash flow on its investment date, and your current fund value (or final redemption amount) as a positive cash flow dated today. The XIRR is the annualized rate that makes the net present value of all these cash flows equal to zero, solved iteratively.

What is a good XIRR for mutual funds in India?

A 12-15% XIRR over 5+ years is considered good for diversified equity mutual funds in India. Debt funds typically deliver 6-8% XIRR. Compare your XIRR against your fund's benchmark index and category average rather than a fixed number, since market conditions during your specific investment period matter.

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Date Amount (− invested, + received)

Enter every investment as a negative amount and your current value (or any withdrawal) as a positive amount. Order doesn't matter — dates are sorted automatically.

XIRR (Annualized Return)

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Total Invested ₹0

Total Received / Current Value ₹0

Net Profit ₹0

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Why XIRR instead of CAGR?

CAGR assumes a single lumpsum investment held for a fixed period. XIRR handles real-world investing — multiple deposits, top-ups, or partial withdrawals on different dates — by finding the single annualized rate that makes all those cash flows work out, which is what SIP and mutual fund platforms actually use to report your returns.

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* Calculations assume constant annual returns. Actual mutual fund returns vary. Past performance is not indicative of future results. FD comparison uses 7% p.a. SIP returns are compounded monthly.