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Disclaimer: This CAGR calculator is for educational purposes only.
CAGR represents the mean annual growth rate of an investment over a specified time period.
It does not reflect interim volatility or risk.
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Frequently Asked Questions
CAGR (Compound Annual Growth Rate) is the mean annual growth rate of an investment over
a specified time period longer than one year. It smooths out year-to-year fluctuations
and gives a single annualized rate that represents the investment's growth. Formula:
CAGR = ((End Value / Start Value)^(1/n) - 1) × 100.
Absolute return shows the total percentage gain (e.g., 100% over 5 years).
CAGR annualizes that return (e.g., ~14.87% per year for 5 years).
CAGR is better for comparing investments of different durations because it normalizes
returns to a per-year basis.
Historically, Indian equity mutual funds have delivered 10-14% CAGR over 10+ year periods.
Large cap funds average ~10-12%, flexi-cap funds ~12-14%, and mid/small cap funds may
deliver 12-18% CAGR over long periods. Debt funds typically deliver 6-8% CAGR.
Yes, if your end value is lower than your start value, CAGR will be negative.
For example, if ₹1 Lakh becomes ₹80,000 after 3 years, the CAGR is approximately -7.2%.
This represents an average annual loss.